Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Report
Profile Image

Question By
e2xwk7s

0 Contributions
0 People Helped
30 Days to Dispute Collection; if paid will it not be reported?
I just received a collection letter for a medical bill that occurred 2 years ago. It took the medical office over 18 months to even send me out a bill for it and I was very confused and should have taken action right away but unfortunately I did not. They just sent it over to collections and sent me a letter stating I have 30 days to dispute the debt. I called them up to ask them, if I validated this amount was correct of what I owed and paid it in full immediately than would they agree to not post it to my credit report since I don’t see it listed. The gentlemen told me that if I paid it in the 30 days from the dispute letter than they don’t have the right to report it since it was paid already; which he stated was in according to the law. I asked for a letter to confirm that if I paid in full within the 30 days that it would not be reported, but the gentlemen told me he didn’t have a letter like that to send out to me. Can someone confirm for me if it is true, if I pay for the amount in full before the 30 days allotted to dispute it than will it not get reported or is the gentlemen just telling me that to get me to pay? I don’t know where to look to confirm if it is true.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
5038 Contributions
1134 People Helped

If it were me, I would take his word for it and pay it immediately. It is always better to have things in writing, but a verbal agreement may be able to hold up in court if they do not stick to their word about not reporting. If you pay and they don't report it, great!! If they end up reporting it after you pay it, then call a consumer lawyer and sue them for violating the agreement.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.