New here-need advice regarding medical collections

Jan 112011
 

First of all let me say that I am excited, overwhelmed and somewhat intimidated at all the knowledge here.:smileyvery-happy:

 I wish I had known about this forum sooner!!! And I also wish I had been more responsible with paying medical bills. Right now my credit score is 626-Experian and 627-Exquifax….not too bad but not good either. I would love to improve/rebuild my credit. I have done just about all I can do minus my nagging issues below.

 

I have 2 medical bills that I paid in full to a CA. After I paid them, I was wondering why my credit score didn’t move! GO FIGURE! LOL… Anyway, after joining this site and trying to understand this FICO/CREDIT thing a little better, I read somewhere that if you have paid off medical collections account to a CA, then the HIPPA process does not apply? You have had to pay the debt to the original creditor?

 

Also, I am currently in the process of paying off another medical collection account to a CA…. I’ve only made 2 payments to them. I didn’t know about the PFD, etc or the HIPPA process until this week. :smileysad:  SO in an attempt to reverse or salvage,  I called the OC, and asked could I pay THEM instead of the CA. They said NO, because of how long it’s been in collections since 9/9/09…

 

Is it true, that the HIPPA process does not work if you have paid your account in full to a CA ?? So I do I not have any grounds whatsoever with the CRA , CA, or OC and I will be just stuck with this showing on my CR as a PAID COLLECTIONS.? What to do, what to do……

 

Any advice or help is appreciated.