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 Scores
Profile Image

Question By
NinjajajaT

1 Contribution
0 People Helped
Medical debt collection???
I just checked my Experian score after seeing a commercial about a new free app for it. Apparently I have a collections account?! It is not on my Transunion or Equifax reports and my scores fluctuate around 675-705. Not great but I'm only 23 and just bought a house and car so I have a bunch a hard inquiries and low average age.

What should I do? I did get a call from an 800 number while back but I figured it was telemarketers as usual so I blocked the number after a few times. Just checked and I have three messages a week in my blocked folder. I'm guessing it is from going to an urgent care clinic last October but I gave my insurance, paid my copay. Never got a bill from them although I did move a few months later. How badly could this hurt my score and effect me?

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

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
7376 Contributions
3814 People Helped

Helpful to 0 out of 1 people

Very few businesses report to all three credit bureaus.  You need to check all three credit reports to see what is showing where,  And this medical account does affect your credit score.  If you haven't already read the articles on this site, I suggest doing so.  Valuable information to benefit you the rest of your life.

Reply by
NinjajajaT

1 Contribution
0 People Helped

I've read a few different articles but didn't get a clear answer. Should I call the company back then? Or just ignore it? It is just showing on my Experian report. Not Transunion or Equifax. 

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

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.