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Home >> Credit Repair Forums >> How to remove collection agency from creidt report

How to remove collection agency from creidt report

bostonboy said: "Hi, please help us as this thing got on our report without we getting informed about it....here is the story In Aug 2005 my wife want to emergency room. She was in serious condition and though she gave her insurence card to the hospital (and we have the receipt that they charged co-pay) hospital didn't filed a claim to insurence but reported amount for her medical services directly to the collection agency which in turn reprted it to the credit report bureau. Another thing is that the ambulence service which she used that day got its claimed settled by the insurence agency. When I contacted the hospital they said that they have no insurence info and they have only one contact address which is not correct either. I think the person who recorded the information made a terrible mistake in getting the details. They were also surprised how ambulence got paid as ambulence supposed to contact the hospital and hospital had no contact/insurence info. I discovered all this when we were checking our routine free credit report as no one ever contacted us. We owe the amount but they didn't send us any bill and didn't let us know how much was the amount. Today I called the hospital and they got the whole insurence info and were saying that once bill is paid they will work with me to remove it from the credit report. But how this thing works Please help us.We have a clean history and we are never late on any account .How should we address this situation."

David said: "First off.. you need to really stay off the phone with these people as much as posible.. esp the CA. You need to send the hospital a letter in writting outlineing the problems and how the hospital failed in its process of billing. Also include what was said and by who. Also.. contact your insurance company and make them aware of the situation. I would also demand a detailed billing to make sure the hospital doesnt try to jack up the bill."

bostonboy said: "Thanks for reply, But I have already spoken to the hospital and I don't know the name of the person. Should I initiate any process with collection agency or credit report agency."

bostonboy said: "Hi David , Please one more thing... Hospital has a central location for billing. Wher should i send the communication for negligence in recording insurence details."

David said: "[QUOTE=bostonboy]Hi David , Please one more thing... Hospital has a central location for billing. Wher should i send the communication for negligence in recording insurence details.[/QUOTE] The hospital Administrator. If you send it to the billing department.. it will hit file 13. Think of your wording.. and clearly state any violations you know you can prove.. and send to the big dogs. they dont like having to spend time in court.. because they know they will be sued"

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FICOdemon said: "While I respect David's point of view, I think threating law-suits is overkill. Letters to the hospital administrator seem like overkill also. Make sure the bill gets paid, to the original creditor. Send a dispute to the CRB stating the bill was paid directly to the hospital, the Collection Agency shouldn't be involved. The CRB will send the dispute to the CA, the CA will see their client, the hospital, has recalled the account out of their office, therefor, they have no reason to respond. The CRB will remove the tradeline in around 30 days. -- Do not dispute the bill before it is paid, as then the collection agency is much more likely to respond. -- I have spent most of my adult life working for CAs, I know this works. -- There is very little to be gained by contacting the CA directly. If they aren't calling, I would resolve with the OC directly. They should have located you and made you aware of the situation, if they haven't called I wouldn't hand them your phone number."

David said: "I wasnt suggesting taking them to court.. I know from reading alot that hospital admins and higher ups do not like law suites since they usually get pulled into court because of something someone didnt do. The OP stated that he paid his co-pay and the billing department did NOT bill to insurance at all. So the billing department started a series of events that should never have occured. I personally spend alot of time keeping insurance billing honest at hospitals with my grandmother. Greedy SOB's bill her insurance.. get paid and then send her a bill later for the amount insurance paid. ugh. If the OP decides to speak with the billing department, I would demand that they provide the insurance billing they did on that account. If they cant produce it, then its up the billing department to bill against his insurance and pull back from CA. Would you not agree."

FICOdemon said: ""If the OP decides to speak with the billing department, I would demand that they provide the insurance billing they did on that account. If they cant produce it, then its up the billing department to bill against his insurance and pull back from CA. Would you not agree." I agree and I don't. It's my understanding that a hospital is not required by any law to bill an insurance provider. When insurance policies were first introduced it was always considered the policy holder's responsibility to submit the claim to the insurance company. Medical providers started to bill the insurance companies to be paid faster. Secondly, the OP has allready stated that the hospital did not bill his insurance. Obvouisly they will not be able to provide the insurance billing, so why waste their time or yours asking for it. However, according to the OP the hospital had the wrong address on file, as such they should be willing to recall the account from the CA. The hospital billing department very well may have someone in it who is willing to go and bill the insurance company at this time, but regardless of this I would recommend that the OP follows up with the insurance company and makes sure that the claims are entered and paid. I also suspect that if the OP speaks to someone in the billing department with respect and curtesy, that they would be willing to write a letter stating that the account was sent to a CA as a result of their error in documenting his address and insurance information. While this probably isn't needed to have the CA tradeline removed from the CBR, it certainly can't hurt."

David said: "yeah what he said LOL But I would always follow up with a letter to whomever you speak with to ensure you have it documented, unless you have full faith in what they are saying to you. I guess in this case, the low road would be a good route looking at it from a different perspective ( thats why I love this place, always more then one point of view and different ways to aproach things). If you are not able to get anything going after speaking with billing for options on how to take care of this at their level.. then you know where to go from that point.."

JUSBRENFL said: "HELLO, Could someone please tell me how to get rid of old cc accounts that collection agency's are buying up and making them current collection accounts. about 10 years ago, I went thru a terrible time in my life, 2 deaths and job loss. I could not pay some credit cards and needless to say, just let them go. now several years later, someone is buying these and putting me in collections for them. I do not have an account with these agency's. Am I obligated to pay them to clear them off my credit report?? I have current new credit cards and car loan that i have perfect payments on, got my life straightened out, what can i do now??? Thank you so much for any input. Brenda ;) ;)"

MichaelG said: "There's a couple of things you can do. The cc debts may have been "timed bared" meaning they may have been too old for a third party collector to collect on. This depends on your state, in MI it's 6 yrs. That means if the debt of your's they bought was charged off more than 6yrs ago, they legally cannot go after you to collect it. Write the dirtbags (do not call them or take their calls). Tell them to "cease and desist all attempts to collect the debt". Tell them you do not deal with third party collectors, only the original creditor (cc company). If they persist, which they most likely won't, ask them to provide documentation proving that you owe the alleged debt."

MichaelG said: "Also, it is illegal for collectors to make an old debt "current" on your credit report. It's called re-ageing an old account."

TommyV said: "Have you paid anything in these in the last ten years? If so, the SOL expires from the DOLA (date of last activity)"

JUSBRENFL said: "NO, I have not paid anything on them. I also have some one calling me from what sound like so legal office in New York saying they have a legal matter to discuss. I have not spoken to anyone. Thank goodness for caller Id. Yes,, someone bought an old Orchard bank account that was written off to bad debt or sold I think it says or one of them says that. This showed up as an open collection item. My report has the same accounts on there 2-3 times under different agency names. I am really messed up. I think I need to start writing letters, because I do not have an account with them. Thank you so much for all your advise, I am learning so much from this site. You all have been very helpful. oh by the way, what does SOL mean, I dont know what all the abbreviations mean on here. thanks again"

JUSBRENFL said: "[QUOTE=MichaelG]Also, it is illegal for collectors to make an old debt "current" on your credit report. It's called re-ageing an old account.[/QUOTE] so how do I stop this and get it removed??? do I write letters to the agency or to the credit bureau?? thanks :confused:"

JUSBRENFL said: "[QUOTE=MichaelG]There's a couple of things you can do. The cc debts may have been "timed bared" meaning they may have been too old for a third party collector to collect on. This depends on your state, in MI it's 6 yrs. That means if the debt of your's they bought was charged off more than 6yrs ago, they legally cannot go after you to collect it. Write the dirtbags (do not call them or take their calls). Tell them to "cease and desist all attempts to collect the debt". Tell them you do not deal with third party collectors, only the original creditor (cc company). If they persist, which they most likely won't, ask them to provide documentation proving that you owe the alleged debt.[/QUOTE] thanks Michael, I am in Florida, I dont know how many years it is for us. :o"