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My son had to go to the ER back in 2013 and I didn't have my insurance card on me for the ER visit. I ended up moving roughly a month after that and caused some billing nightmares. The hospital neglected to correctly bill my insurance company and my insurance company was refusing to pay. After speaking with the insurance company I was able to have the claim reprocessed but at this point it had gone to collections. The insurance company paid the claim and the debt was closed however it's on my credit report and is negatively impacting my score. Any suggestions?

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