I was working with a creditor on a medical bill

Your creditors should have updated your credit report after receiving the full money from you. Collectors are shown up in your credit report due to this reason.

Contact the financial institution whom you paid the money and request them to update your file. Since your credit file is not showing the actual credit history, it is their responsibility to update the file so that it gives a good view of your credit ratings.

You can also place a dispute with that credit bureau reporting this negative remark. They will verify your dispute and take correct information from your creditors. Accordingly, your file will be updated and you will be sent a free copy of your report.

This was going through a hospital and eventually becuase of the time frame, their sister agency(debt collector) became involved. Although I always maintained contact with the hospital and even applied for charity care until I paid them the money. Was this wrong(meaning I should have paid the debt collector)?

timothy,

When you started paying to the original creditor (the hospital in this case), it is their responsibility to inform the collection agency about the deal. As a result collection agency should cease all collection activities for the said accounts.

You have mentioned the collection agency to be sister concern of the hospital. So they are supposed to have good communication between. Anyway, it might be a mistake on their part. Send a letter to the hospital by CMRRR. It would be better if you attach the documents of your payments and ask them to solve the mess.

If they fail to respond, you can dispute the entry with credit bureau also. Keep us updated in this matter and feel free to post your queries in forums.

Our mortgage company erronously reported us to the credit bureau of late payment when we have never missed any payment. And know it's destroy my credit report and it affects my business. Why did not give us any notice at least so that we are aware of what's going on. What can we do about it.

skipple2004

You have to dispute this item with your mortgage company. When you have never missed any payments, why should they report you as ???late' with the CRA. Either, they must have some reason for reporting it that way or they should not enter anything in your file without a legitimate reason.

Talk to the mortgage company and know the reason of this reporting. If there is any fault from their side, they will correct it with the bureaus and give you the latest information. Do your correspondence in writing so that you can keep everything documented in a file.

Thanks David. I will send the CA the letter with proof of split payments. I will let it be know that hubby is responsible for only seventy percent or hubby will rather :-) Yes, the original creditor was informed right after the case was finalized because we went round and round with some other medical bills for his daughter.

timothy123...I am just curious, since I have worked with medical insurance, billing, etc...why did the bill get kicked back twice. Was it the way it was filed, or was the claim denied? Because if it was filed wrong, then the office that filed this claim should have to eat the bill. Just curious, if I had more info maybe I could help you with this.

The first time it was because of the way it was filed, the second time it got kicked back because they stated I was not under their coverage yet. When I started work and signed up for medical insurance, my employer stated that it is retroactive as soon as I join, so I was under the impression that I had coverage, otherwise I would not have gone to the hospital.(Just an expense that I would not want to cover myself).

The other question that I have and I have not seen it posted is, if the creditor is the one who cashed the check, then the collection agency has no right to post that to my credit? If they were the ones who cashed the check then I could see how they might post to my credit. Is this the right frame of mind to be into?

timothy123

A collection agency only after purchasing the debt from the creditor becomes the holder of the account. In that case, they have the rights to report your accounts to the bureaus. The creditors won't involve themselves after the debt is sold.

But, if the collection agencies have been hired by some company to collect the debt from you, they will send the payments to the credit company who in turn will update your file. However, there will be status on your file stating 'paid collections' on this account.

Well after sending two letters, both certified, I explained the situation and felt it was done in error and that letters were crossed etc... To my surprise, the collection agency wrote back stating it will delete the derogatory information entered on my credit report, but that it could take 30-45 days. All I can say is that persistence pays off in a big way. :D

timothy123, I am happy to feel that your hard work has given you the desired results. You are right, persistence pays off in a big way. If you have avoided this matter, you won't have tasted the success that you got now. Sometimes, people fear talking to the lending companies or the collection agencies. Give a thought, they might be calling you by mistake or with wrong reasons. If you do not talk to them, situations won't get solved.

timothy123, you have done a great job and you have been rewarded likewise. We will need one more update when you have seen the changes in your credit report. :)