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
esenbee

1 Contribution
0 People Helped
Paid Medical Collections removed by disputing?
I have 5 medical collection accounts (totalling $1,297). These were from maternity care that were not billed correctly. I switched from 2 different OBs and my last OB did not bill the entire care under a "global billing code", but billed the insurance for each visit, so my insurance denied 5 of the claims. I got 3 of the bills pretty late (6 months after the birth, I think?), and honestly, being busy with newborn twins, I was not on top of getting it worked out (called a few times, no-one wanted to help really). SO, they are 3 years old now, I finally have the funds to pay these (divorced the big spender, so there is actually extra to pay things, imagine that!).

QUESTION IS: I paid them today, in full. Can I dispute with the credit bureaus to get them removed??? Will "insurance billing error" be valid for it being removed? Has anyone tried this and been successful? I can provide documentation that my insurance denied the claims.

I realize the new FICO 9 and VantageScores do not count paid medical collections, but the FICO 2, 4, and 5 that most mortgage lenders use do count paid medical collections, and it doesn't look like they are moving to the new model scores anytime soon.

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.