Credit Advice

can you buy a car with a score of 600

I had a $25 charge on a medical service a year ago that went into collections. Shortly before it went to the collections agency, I was credited $40 to the same medical account, resulting in a net credit of $15. I had the original medical billing office contact the collections agency and let them know that my account was now current. Can this person do the same thing?

This reminds me of the time, I was penalized for a delinquency on my student loan because the bill was sent to the wrong address. As I learned then, it was still my fault because that's how debt works. It was my responsibility to take care of debt with the school regardless of whom or what got in the way of that.

I suspect this is similar in your case. You were the primary party responsible for payment to the hospital. Remember that you entered into the agreement with the hospital and not Medicaid. As such, they have every right to send you to collections if payments were not made as stipulated in the agreement.

The best thing to do now is to call both the collections company and the original creditor to explain the situation. They are under no obligation to remove the inquiries but sometimes you will get a compassionate person who will understand.

i have found that creditors dont want to deal with any score lower than a 620 if it is worse than that good luck to you...im in the same boat