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
MNGirl805

0 Contributions
0 People Helped
Med bill went to collections 11/1- paid hospital 11/7- DO I WORRY ABOUT MY CREDIT REPORT??
Long story short- I had a lapse in judgement and was irresponsible in paying a medical bill. Here's my dilemma:
I received a overdue bill for $600 on 10/12/16 from the hospital . On 11/1/16, I received a letter stating the balance had been placed with collections. On 11/5/16, I received the letter and freaked out. Reality hit me like a garbage truck- I messed up. Today (11/7) I call the original creditor aka hospital and I talked to this nice lady in billing and asked if it was too late to pay them. She said they could still take a payment within two weeks of it going to the agency so I paid the full amount with my card. I asked her if they would contact the debt agency and clear it out with them and she responded with "oh don't worry about it, if you get another letter or phone call, give them my name and confirmation number" My question is- is this something I should worry about it? Should I be calling/writing the collection agency and asking them to verify the debt? Will this still end up on my credit report? Can I dispute it off my report if it is as the hospital still accepted my payment?
Please help- I'm really freaked out. I was hoping to buy a condo soon and a car in the next 2 years. I've always been really careful but I had a lapse in judgement. ANY RESPONSE WOULD BE APPRECIATED!!!

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.