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cleoppa

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How to remove an irresponsible mark from credit report?
OK, we had a small medical procedure. When the bills came in, we paid them. Next thing we know, we're getting calls from a collection agency. On follow up, it turns out the medical center sent a bill that never arrived. If your post office is anything like ours, it was delivered to the neighbor's or just disappeared completely. Maybe they forgot to send it. Doesn't matter how this happened.

After one single attempt to send a bill, they did not send another bill, they did not call (though they had the number), they did not email (though they had the email). Instead, they sent it straight to bill collection and we're getting harassing phone calls.

This is wrong on so many levels, but I would like to make sure this does not affect credit. Any advice on who to approach and who to threaten reporting them to (BBB, medical board, etc.) to get this taken care of?

Thank you.

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Top Contributor
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First of all, Threatening them

Does not help get anything off your report. If Its in collections that means that they sold the debt and the medical center is no longer responsible for collecting the debt. 

If its not on your credit report yet, You could start by offering to pay the debt if they will keep it off your report.  Make this offer in writing addressed to the "Collection Manager'.  Send the letter Return Receipt requested so you have a papaer trail. Do not pay them until you have an agreement in writing.  Don't try to negotiate with the people that call on the phone, They ususally do not have the power to negotiate and will promise anything to get the payment, but won't folow through. 

If you don't get a response in a couple of weeks, or it ends up on your credit report then foillow up with a validation letter sent to one of the credit bureaus.  You can google it for a template and more info.

Good luck  

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