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I might first wish to say that you just all are a treasure trove of data and I am so glad that I’ve stumbled upon this sub.
I’ve a number of medical collections from an accident a couple of years in the past. Two of them are with Medical Information Techniques. One is $250 and the opposite is $950. I made a decision to pay the smaller first to make see how they might deal with eradicating the gathering. One two separate calls, I used to be advised that they might not take a settlement on an account with a steadiness decrease than $500, so I paid it in full. I acquired no receipt or affirmation e-mail, however the funds had been withdrawn from my checking account. I referred to as as we speak to request a affirmation e-mail and was advised that they supply nothing in writing. I additionally requested once I might anticipate to see the gathering deleted from my account. The rep responded that some suppliers will delete and others will not. I used to be underneath the impression that medical collections needed to be deleted as soon as they had been paid.
A number of websites, together with credit score.com, checklist the next info: Medical Money owed Are Eliminated As soon as Paid: Whereas most collections stay in your credit score report for seven years, medical debt is eliminated as soon as it has been paid or is being paid by insurance coverage. Unpaid medical debt in collections will nonetheless stay in your credit score report for seven years from the unique delinquency date.
Does anybody know if that is true or have an official supply that I can use to dispute this on my credit score report? I might wish to be armed with this info earlier than I pay any of my bigger medical collections.
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