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Question By
smears

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Collections removal
Have 2 collections from medical visits totaling 195.00 listed in collections. Insurance was filed but apparently denied. I was unaware the bills had not been paid until I received notification from debt collectors. Bills have been paid off for quite some time.
Sent registered letter to collection companies stating errors in insurance billing and requesting items be removed.
How long do they have to reply to my letter?
If there is no response, how do I have the collection agencies remove the entries?

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Top Contributor
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They have 30 days to respond to your letter.  Be sure to write to all three credit bureaus as well, especially if there is no response from the collectors.  Since the accounts are paid off, they are much less damaging to your score.  And the older the get the less damage they do.  By law, they must come off your report 7 & 1/2 years from date they went delinquent.  Best of luck!

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