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Credit Bureau dispute letter

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CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 364



5245 Magic Points

 
Posted on Tue Jun 10, 2008 6:28 pm  

I have a couple questions/ starting points,

1) who made the mark on your CR was it a CA or the OC?

2) can you get in writing the dates that the office was in network and the dates they were out of network?

3) send the doctors office a written request that your chart and all documents signed by you, to be sent to you.

4) write down in detail as much information as you can remember. Receptionsist names, dates etc. Call your insurance company again and find out why they suspended that office for that time period.

Research you states laws and regulations on debt collections. Focus on the articles on medical bills for this account.

5) Once you have all of that information I would call the doctors office and ask to speak to the billing specailist. Have all of your information with you so that you can quote documents from the office and the Insurance company.

EXplain to the office everything that happened and how you were willfully mislead into accepting services from that office when they knew their office was suspended by your insurance company. Provide them with the details you find out about why they were suspended.

I would also inform them if they do not remove any marks from your CR that you will file complaints with the FTC, BBB, AG and DOB.

Chances are you will be able to get them to remove the mark from your CR if you offer them a PFD after you hit them with all of this information.

Personally, I prefer to do all my dealing with CAs via mail. That way I have proof of all conversations. If you need help drafting a letter for this I can help you. Let me know what you want to do and I will throw one together that you can add your own details to.

Now, when exactly did this hit your CR? How close is it to the SOL in your state?

Good luck
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anthony

anthony

Joined: 31 Jul 2006
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Posts: 516



13604 Magic Points

 
Posted on Wed Jun 11, 2008 5:34 am  

For this it is first essential to know who listed this information on your credit report. What I prefer is that, since it is a matter of 40$ which is coming in the way of improving your credit score, You need not go into long proceedings and waste your time there. You can instead come to an agreement with the CA for pay for deletion. If they do not agree for pay for deletion, then I think you can follow the procedures as mentioned by CMBV.
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Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



450 Magic Points

 
Posted on Mon Jun 16, 2008 3:16 am  

Just make sure that you get the deletion in writing so if they don't follow up you can send it in to the reporting agency. Get a paid in full letter so that you can send it along with it.
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Fri Jul 18, 2008 12:43 pm  

Wouldn't you have to get the deletion notice before paying the old debt? What if they don't send you the paid in full notice afterwards? I think I would request a letter that stated: Ms. over her head in debt and our company have reached a settlement agreement in the amount of $0000 and once this is paid my company agrees to delete this debt from her credit report and send along to her a paid-in-full notice within 30 days of payment. That way if they don't send any along after you pay you could use the letter and receipt showing you paid to be rid of iot once and for all.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



450 Magic Points

 
Posted on Sat Jul 19, 2008 2:08 am  

You would definately want to get what ever your terms are in writing before you pay it off and then have them follow it up with a paid in full. They are not real cooperative after you pay them off, so get it all prior to pay off.
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CMBV22

CMBV22

Joined: 08 May 2008
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Posts: 364



5245 Magic Points

 
Posted on Sat Jul 19, 2008 6:27 am  

fireyone,
Basically what you get from the CA is a letter promising to delete all references to the account with the CRAs within 10 days of paying them. Then you send certified funds to the CA with 'paid in full' written in the memo. Many states say that is a check etc is cashed with a paid in full memo, The dent is legally pad off even if they cross it off or write I dont agree. I send a letter with the funds reaffirming our agreement also.
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anthony

anthony

Joined: 31 Jul 2006
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Posts: 516



13604 Magic Points

 
Posted on Sat Jul 19, 2008 7:02 am  

Hi goodnatured
Always try and get the pay for deletion agreement in writing. This is because even if you have paid in full, your creditor may not be willing to delete the listing. So if you have the proof, you can always send a dispute letter to the credit bureaus asking them to delete the listing after you paid the debt as agreed to your creditor.
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Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
erb1953



Joined: 31 Dec 2007
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Posts: 547



-100 Magic Points

 
Posted on Sat Jul 19, 2008 11:20 am  

At what point do you get this agreement though? Is it before you pay it off completely?
fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Sat Jul 19, 2008 12:42 pm  

That is what I have been trying to figure out. If you don't get some kind of promise in writing before paying off the debt how can you be sure that they will follow through on their part?
fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Sat Jul 19, 2008 12:42 pm  

That is what I have been trying to figure out. If you don't get some kind of promise in writing before paying off the debt how can you be sure that they will follow through on their part?
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



450 Magic Points

 
Posted on Sat Jul 19, 2008 10:55 pm  

In the beginning when you first start to deal with the collection agency, you need to get a written agreement.
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fireyone



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Posts: 4246



123 Magic Points

 
Posted on Mon Jul 21, 2008 12:40 am  

The doctor bill I have my account is from a collection agency. I could probaly track down enough info to get the $40 forgiven sonce they said they were in network but why hassle for that amount? I just want to know if I would go down and pay the office directly if they would remove it or if I have to contact the collection agency. If I pay for service that was suppose to covered then I want the pay for delete because here shortly that will be the only blemish left on my report.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



450 Magic Points

 
Posted on Mon Jul 21, 2008 3:09 am  

I don't get that, it is like these stupid co pays, I had surgery and had to pay a $14 copay, the surgery was quite a bit with a three day hospital stay. I was surprised to get a bill for fourteen dollars, I paid it, but it was just annoying.
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CMBV22

CMBV22

Joined: 08 May 2008
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Posts: 364



5245 Magic Points

 
Posted on Mon Jul 21, 2008 6:02 pm  

fireyone,
If the CA made the listing then you need to speak to them about a PFD. If I were you I would get the required proof from your insurance agency and I would send it to the CA with a DV letter that has a PFD offer in it.
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Tue Jul 22, 2008 1:01 am  

I really should do that. I mean this was a covered gynological screening that our health insurance offers for free once a year. I got the bill from our insurance when it first happened and called the docs office and told them they said they were in network and wasn't at the time. I said I wouldn't have chose them had I known since if I went in network it was absolutley free. Aggravating.

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