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Question By
Godpuncher

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Collection accounts removed, then re-reported?
I've had 2 collections accounts on my report for some time--both are over 5 years old. I checked my score today and it says both of them were removed from my account, then re-added. All within the last 2-3 days. Why would an account be removed, then immediately added again? Does this affect my score?

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Collection Companies and your credit

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Collection companies can seel the debt to a debt buyer,as can any company that is owed money from customers. These debt buyers will then start  trying to collect. After the debt is 7 years old the fine print on those letters from collectors SHOULD state that they can no longer sue you for the debt, OR, report it to a credit bureau. The extra fime print here is if you do so much as utter a word to them that the debt is yours - you will find it back on your credit reprt for another 7 years!    (I am a VP Accts and deal with collections a lot in my business).

Reply by
4noah

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Helpful to 0 out of 1 people

Charlie is right thank u

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You can't win with ANY of them

Helpful to 9 out of 12 people

Yes , it's hard to know what to do when you have 3 or 4 credit bureaus playing around with your credit..   At one point, there was 90 points difference in my credit scores on the 2 Credit bureaus Credit Karma uses.   One of those two agencies lets these doctors and hospitals get away with murder when it comes to reporting bad credit for indefinite periods of time.  You can contest the lies that they report on your credit with one agency, spend weeks on end getting them removed because they are indeed bogus, then these agencies turn around and just start reporting them to a different agency, you start over and then they turn around and report them to another one even though you don't even OWE the money and never did in the first place.   When a hospital or doctor fails to file your information with your insurance and doesn't get paid, and then illegally reports it to credit bureaus at their own discretion trying to wreck your credit, well frankly , there's not a lot you can do about it.  You can complain all you want, you can file all the protest you want and you can even get it removed, but it doesn't stop these crooks from turning around and reporting it somewhere else.  That's what's been happening to me for the last 7 years and I know it's happened to a lot of people with these hospitals and their bogus collection agencies because I've read literally hundreds of stories about them online.   The Federal Government shouldn't allow them to report at all because most of the time, the error is their own fault because their billing departments are incompenent, they fail to file the insurance claims and then months later, they put this bogus mess on your credit report.    There really isn't much you can do short of getting a lawyer and spending a lot of money to try to get them removed but if they have no morals like the ones who collect for  Baptist Desoto Hospital in Southaven Mississippi, well you are just royally screwed..  THE HOSPITAL even removed their portion of the bogus reports after I filed complaints, nearly a half dozen false reports, but the Collection agencies for the X ray Departments and Doctors are treated as completely different entities and they have illegally reported bogus claims on my reports for nearly 7 years now and no matter how many times I've workecd to get them removed, within 2 months of the time they are removed, they file them with ANOTHER CREDIT AGENCY and put them right back on.. It's illegal but legal apparently doesn't matter to Credit Karma or these credit reporting agencies.  And Another thing,   One agency doesn't have several of my good credit factors even reported.  All of that factors in.   They all report different things.  Some good, some bad and some not reported at all and ALL of that plays into your score.  You can't with with any of them no matter if you pay on time or not. 

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collections

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check your state statue of limitations on old debt. 

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Happened To Me

I've had that happen with student collection accounts, but I was able to remove them again after they were re-added. Keep at it, they'll come off. 

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Carl

Helpful to 2 out of 4 people

I agree ,   Once they do the damage, it's virtually impossible to get it 'un-done". I've had doctors file claims on my credit several time over the years,  I have Medicare and Humana and STILL end up paying hundreds and sometimes thousands of dollars on doctor bills.   I don't think after Obama Care there's any real regulating of these Doctors and medical providers.   They seem to be more confused about what and how to bill , what insurance to file with, than the rest of us.   It's all so confusing and I think that's what's happening.   The hospitals and health care industry is so mixed up under all these new guidelines, they simply don't know what they can and can't bill for and in the end,  it all falls back on US..

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Maybe....

Helpful to 2 out of 5 people

I remember reading that collection agencies either sell or refile your debt (please research this) near the deadline when the debt is to be removed from your credit report. In this way, the clock is reset so that you have to wait another (enter the # of years for your state) before the entry is removed from your credit report.

Reply by
darron427

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Helpful to 6 out of 7 people

That's not what happened in my case,   They are the same 2 Arkansas Collection agencies that have been on mine for the last 6-7 years ..  They are "Famous" for this sort of bogus collections.   The information was actually removed from my accounts when I filed disputes but they turn around and re-reported it like it was a new account.    They do this sort of thing all the time.   When you dispute it and they can't back up the claims, many times they won't bother to dispute it.   The credit agency will remove the false information but that doesn't keep them from coming right back and refiling the bogus claim.   These 2 Baptist Desoto Hospital collection agencies are infamous for it around here.    My dad talks about how they do it to him all the time.  He pays his bills off and then they turn around and don't show he's paid them.   He has to end up sending copies of his checks to the hospital or doctors office over and over again to prove that he's paid them because they start sending threatening letters .   These Doctors and particuarly the ER x-ray / MRI people at this hospital are really bad about it.   What happens is, they end up waiting so long about filing the insurance claims or getting the claim straight, that they end up not getting paid and then because they don't know what they're doing or how to file the claims properly, they come back on  you for the money.   It's a big ole scam that the Federal Government is going to have to get directly involved in and pass laws to stop.      I didn't even realize they had put anything like that on my report for several years because I really didn't use a lot of  credit.  I finally looked at my report several years ago to find they had filed arolund 10-12 DIFFERENT CLAIMS for a hospial visit .. When they hospital realized their mistake, they immediately reomved most of them.  From what they told me , the remaining ones were from Doctors and the ER x-ray -mri people.  Apparently they aren't part of the hospital .  See the hospital failed to file the paper work and insurance information.   By the time the hospital figured out their mistake,  it was too late for me to do anything about it.   The DR and ER / MRI people had already filed these bogus claims on my credit.    If they had filed them, they would have been paid by insurance but by the time I realized it,  it had been 2 or 3 years and it was too late. 

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