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!


Posted in Credit Report
Profile Image

Question By

0 Contributions
0 People Helped
Medical bill went into collection - HELP!
Hey everyone,

I'm new to this forum and just recently found out that I have an account in collection on my Equifax report due to un unpaid medical bill from 05/2012.
This is what happened.

May 2012 I had a bad cold and went to the emergency at Cayuga Medical Center in Ithaca, NY. I was under Cornell's school insurance program (SHIP) and filled out my school address, as well as my Canadian address. I did not pay for anything on the day, and don't remember if they told me I would be billed (or whether insurance covers everything).

I never received a bill (possibly due to moving out of the school dorm a month after I visited the hospital), but received a mail sent to my Canadian address in 01/2013 for $30. I paid off the $30 to the "Medical Center" on 1/30/2013, and thought that would be the end of it.

Today, I found out about the collection and called the hospital. The lady on the phone told me that my bill was still not paid, and that I was billed for the emergency care and physicians (not the facility). She said I most likely paid off the bill to the hospital facility, but never paid off (possibly?) another bill that was for the physicians/emergency unit, which ended up in collection. Currently the collection is under UCB Collection and have been there since 09/2012. The reporting date for the collection is 01/2013.

I am lost and have no idea what I should do at this point. Is there a way for me to still remove the collection record from the report? Should I pay the $30 that I supposedly "didn't pay"? Or should I dispute the transaction with Equifax?

Any help would be appreciated.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


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.