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Started By
Message
1
Posted on 1/31/20 at 7:34 am to tigerfoot
quote:
What about failing to pay a roofer?
They put a mechanic lien on your home
Posted on 1/31/20 at 7:37 am to Tiguar
quote:
Taking out the credit hit for this would mean there’s literally zero reason to ever pay an ER bill.
The other side of this is I have a couple of old medical bills outstanding that I'm disputing. I was told not to pay them off by a mortgage broker because paying them off would lower my score.
Posted on 1/31/20 at 7:41 am to Tiguar
quote:you weren’t abducted and taken to the ER, you Willingly used the service.
Emergency rooms have to treat you and will send you a bill you could never pay.
quote:except for the notion of paying your debts in life.
Taking out the credit hit for this would mean there’s literally zero reason to ever pay an ER bill.
Posted on 1/31/20 at 7:43 am to SDVTiger
quote:i understand. But why would we absolve people from failing to pay medical bills if we are going to hold them accountable for other essentials
They put a mechanic lien on your home
Posted on 1/31/20 at 7:47 am to slackster
quote:
Here come the people who "pay cash for everything" so they don't have a credit score and/or credit scores are stupid.
I have a friend like that. He has almost no credit because he strokes a check for everything.
He and his wife each have one credit card each for car, hotel, airlines reservations etc.
He laughs at people who have everything strung out on credit. "All that money they paid in interest. I spent on vacation."
It's wonderful if you can do it.
Posted on 1/31/20 at 7:49 am to tigerfoot
the biggest issue about medical bills is how the same service can cost 4-5 different amounts
and, if you end up with a bill, your amount will be the absolute max and 10x (or more) or so larger than the others
and, if you end up with a bill, your amount will be the absolute max and 10x (or more) or so larger than the others
Posted on 1/31/20 at 7:49 am to Rocket Surgeon
quote:this is ironic because people like him pay for my vacations
He laughs at people who have everything strung out on credit. "All that money they paid in interest. I spent on vacation."
Posted on 1/31/20 at 7:49 am to tigerfoot
quote:
i understand. But why would we absolve people from failing to pay medical bills if we are going to hold them accountable for other essentials
Saving your life in an emergency situation is a bit different than fixing your roof.
This post was edited on 1/31/20 at 7:50 am
Posted on 1/31/20 at 7:50 am to Meauxjeaux
quote:
Medical collections should be REMOVED as a factor in credit scores.
I don't believe bills for hospital stays (non elective) should be included against you. But that's because I think it's a crooked system that literally you can't compare to any other industry except maybe higher education.
No one has any idea what the price will end up being when they enter a hospital and usually receive bills from 10 different entities afterward that they never even knew were there. You have zero ability to compare prices or even know the price. Now if you are accumulating bills for elective surgeries, then usually you know the deal going in so I'm all for that affecting your credit score.
Posted on 1/31/20 at 7:51 am to Tiguar
quote:God this type of thinking is stupid. Were you loved as a child?
Taking out the credit hit for this would mean there’s literally zero reason to ever pay an ER bill.
Posted on 1/31/20 at 7:56 am to SlowFlowPro
quote:
If your finances are in good shape and you already have a good credit score, you're likely to see your score improve,
900, here I come!
Posted on 1/31/20 at 7:57 am to SlowFlowPro
I fail to see the point of the changes tbh.
Posted on 1/31/20 at 7:59 am to SlowFlowPro
quote:
if you end up with a bill, your amount will be the absolute max and 10x (or more) or so larger than the others
Is there a way to find out what insurance companies pay? If that is what they pay, that is what it costs. Multiplying that number by 10 for an individual should be illegal.
Posted on 1/31/20 at 7:59 am to GreatLakesTiger24
quote:
this is ironic because people like him pay for my vacations
You must be a banker.
Posted on 1/31/20 at 8:07 am to tigerfoot
quote:
But I just can’t imagine caring enough to regularly check on it
A few years ago, my former company had a retard in the corporate payroll department fall for a phishing scam email and send said scammer the W-2s of everyone in the company.
My wife never checked hers until we went to move apartments a couple years ago. They ran out credit and said because of her score, we'd have to get a cosigner or pay an extra 2 months of rent as a deposit. She had been in a rollover accident a couple years prior with a friend driving which was the fault of the other driver.
Something like $150 of her medical bills went unpaid and a combo of the at fault lady not paying and the collection agency trying to contact my wife at an address she hadn't been in 4 years meant it just sat there delinquent.
We paid that and haven't seen any issues of anyone using my SSN for anything, but yeah, I monitor that shite.
Posted on 1/31/20 at 8:09 am to GetCocky11
quote:not a lot.
Saving your life in an emergency situation is a bit different than fixing your roof.
What about food bills? Should debts accumulated at Whole Foods be ignored as well?
Posted on 1/31/20 at 8:11 am to SlowFlowPro
(no message)
This post was edited on 9/29/22 at 10:06 pm
Posted on 1/31/20 at 8:11 am to tigerfoot
Eh, I get what you're saying, but while food and a roof are essentials, they don't compare to something like a life saving procedure.
Posted on 1/31/20 at 8:13 am to TH03
quote:
Eh, I get what you're saying, but while food and a roof are essentials, they don't compare to something like a life saving procedure.
there is also the fact that you don't get medical costs beforehand
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