- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
Dispute item on credit report (update)
Posted on 5/12/14 at 8:48 pm
Posted on 5/12/14 at 8:48 pm
Got a surprise today. Going to close on my house and I find out that recently a debt of $180 for a medical bill when my son broke his leg two years ago is dinging my credit. I never received a bill for this. I received several bills for X-rays, doctor visits, ortho charges, etc and paid all of them. (I pay my bills) But I never received this bill.
I called the debt collector and they refuse to remove the hit to my credit even if I agree to pay the balance immediately, I called my insurance and it is a legitimate charge. I simply never received a bill. I have confirmed my address is correct with the debt collector. They claim they sent me ONE letter back in January notifying me of the collection but obviously I never got that otherwise I'd have paid it.
I'm not sure what else to do, this is pissing me off because it's affecting my interest rate on the home loan and I KNOW I didn't get this bill. Of course the debt collector thinks I'm feeding them a line of bullshite.
Do I have any options here? Dispute the claim with the credit unions? Bitch and moan and suck it up? It's not really the extra $$ on the interest rate because it's not that much. It's the principal. I take pride in keeping my credit score high and this pisses me off.
I called the debt collector and they refuse to remove the hit to my credit even if I agree to pay the balance immediately, I called my insurance and it is a legitimate charge. I simply never received a bill. I have confirmed my address is correct with the debt collector. They claim they sent me ONE letter back in January notifying me of the collection but obviously I never got that otherwise I'd have paid it.
I'm not sure what else to do, this is pissing me off because it's affecting my interest rate on the home loan and I KNOW I didn't get this bill. Of course the debt collector thinks I'm feeding them a line of bullshite.
Do I have any options here? Dispute the claim with the credit unions? Bitch and moan and suck it up? It's not really the extra $$ on the interest rate because it's not that much. It's the principal. I take pride in keeping my credit score high and this pisses me off.
This post was edited on 5/13/14 at 8:52 am
4
Posted on 5/12/14 at 10:15 pm to loopback
Honestly, a few months of a couple hundred dollars should not effect your credit score that much....
Loan underwriters and brokers use a range to get the interest rate. No way a couple hundred dollars scorned your credit score enough to effect the loan, unless you went from like a 741 to a 739 or something.
Long story short, unless you have an invalid claim that has been detrimental for months/years on your credit, it's pointless to dispute
Loan underwriters and brokers use a range to get the interest rate. No way a couple hundred dollars scorned your credit score enough to effect the loan, unless you went from like a 741 to a 739 or something.
Long story short, unless you have an invalid claim that has been detrimental for months/years on your credit, it's pointless to dispute
Posted on 5/13/14 at 7:35 am to loopback
Go to the original creditor and talk to them about having it removed.
If that doesn't work send a certified letter to the collection agency or at least get beyond the collector level at the agency, offering a pay for delete. If they don't accept that screw them. A collection derog on your report hurts your score the same if its open or settled or paid. If its a few years old its even better to have it collect dust rather than report a new date of last payment. If they call then ask them to file for judgment. If they don't then send a letter to cease and desist so they stop calling you until it hits the SOL. How much is the bill for?
You can try.. But not sure what Neighbors or Pentagon or the like would do.
The worst thing you can do on 2 year old debt is bring it current even if to mark as paid. The DOLP becomes <1 year and that will typically reset the clock on that collection derog. Her score will drop further.
If that doesn't work send a certified letter to the collection agency or at least get beyond the collector level at the agency, offering a pay for delete. If they don't accept that screw them. A collection derog on your report hurts your score the same if its open or settled or paid. If its a few years old its even better to have it collect dust rather than report a new date of last payment. If they call then ask them to file for judgment. If they don't then send a letter to cease and desist so they stop calling you until it hits the SOL. How much is the bill for?
quote:
Dispute the claim with the credit unions?
You can try.. But not sure what Neighbors or Pentagon or the like would do.
The worst thing you can do on 2 year old debt is bring it current even if to mark as paid. The DOLP becomes <1 year and that will typically reset the clock on that collection derog. Her score will drop further.
This post was edited on 5/13/14 at 7:40 am
Posted on 5/13/14 at 8:37 am to loopback
I'd pay it and get a receipt. When you go to file the dispute (definitely do this) you can upload files along with your dispute. Upload the receipt and also write an explanation of what happened. The fact that you handled it immediately after finding the problem will help.
Posted on 5/13/14 at 8:39 am to loopback
request a copy of the original bill, see if they still have it
Page 1 of 1
Back to top
Follow TigerDroppings for LSU Football News