.

I would love to see a medical club started with the doctor in charge of the system. They would get paid every month like insurance. In return they would have to cover all cost and no one else would have a say or a part of the money. They would make the buys for meds and there would be no point in anyone getting a kickback and could control cost better as a person who knows when the cheaper stuff works just as good. The deals they make would save them money but at the same time could bankrupt them in higher cost down the road. I think it would need a gym as part of the health care and food classes would be needed as well. If the doctor gave you a system to follow you would have say 90 days to comply or be removed from the group. If you follow the doctors orders you could not be removed for a health problem. So the kind of care you get early will determine the future of the doctor.

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The doctor I talked to about this said he liked the idea but some people would run in every day until it was broke. So if there was a gym they could say go to the gym for further study and the problem would show or in time go away and the better their health got the better the doctor would come out in the end by less cost.

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Now for the patients input to the system. You would be a member so no going to court to get money. But criminal charges would still apply. There would need to be a system for the patients to remove the doctor if they were not serving the club like they felt was needed. Blocking the removal of a patient if they felt it was for the wrong reason. There would need to be emergency funds set aside for things not expected and future growth of the system as they feel is needed and have a place to add input in the club. Paying the doctor or doctors a percentage of the total intake would give them reason to keep people healthy to cut their cost the right way . Giving you the best health care you could get by having them work on the problems you may have before you have them to cut cost and improve their pay.

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Think it over and add some input if you like, it may never go anywhere or someone who can make it happen may see a rich future in it.

 

I ran into this community today and it motivated me do some clean up on my credit report.

 

For two times, I had a medical bill going to collection because  I was waiting for the health insurance to pay it.

 

They were small, and I ended up being them later just to not have collection bugging me. These are their details:

 

1: April 2007 – $332 – Paid on first collection call. Marked as “Paid” on credit report

CMRE credit

2: Jun 2008 – $862 – Paid a month later. Not marked as paid on CR. It still says open.

Bay Area Credit Service

 

 

Those are the only bad things I have on my credit report. I have probably another 20 accounts open with payment on time. Never a late payment on credit cards. I probably never worried about that because I didn’t foresee requests for loans and mortgages. 

 

Is there anything I should do? Are they old enough I shouldn’t care? 

(I procrastinated enough and never done anything in order to not “revive” the account and reset the 7 year countdown).

 

I am all ears for advices!

 

Thanks in advance,

Bananas

 

 

However, my wife was on the account as a authorized user and I noticed it was dragging her otherwise perfect credit into the dirt.  Now the health issues were my wife’s, so I wasn’t about to let that happen.  I called BOA and had them remove her as an authorized user.  She has a great history without it: a modest $3000 in credit, plus our mortgage, all in great standing.  BOA said that the statement ends on 11/17/10, and it should be off then.  A tad impatient, and afraid my wife would see it and cause her stress she does not need, I created an online dispute through the three bureaus.  TU cleared the account from her report almost immediately and her score went from 659 to 782 overnight.  Same with Experian.  Equifax keeps sending their ” we are still working on your claim” e-mails every day, but nothing.  Now the 17th has come and gone, and the account is still on her report.  BOA says they definitely sent in the paperwork.  Anyone have any ideas what my next step should be?  I know, I know, be patient, but beside that?

 

On another note, in an effort to improve my own credit now that we are getting back on our feet.  I took the advice of a credit assistance company that I do business with.  I had myself added as an authorized user to my mother’s Chase Slate card with a 20yr perfect history and 20k limit.  I did this at the beginning of the month.  Anyone know how long this should take to effect my score?  The gentleman at Chase when I activated my account said I would have to be a primary user for it to effect my score, but that didn’t make sense to me since I have seen multiple cases where it did.  That card statement closed a week after I received the card, so I would think it should be on my report by now?  Unless the dope-head on the phone was right….

 

Since then I contacted the CA with regard to the PFD request and he seems to be dragging his feet.  Although he won’t conclusively refuse to sign the PFD, I do not expect him to at this point.

 

My question relates to the verification request.  Since the CA took it as a validation request originally, is he still required to provide validation within a specific period of time (30 days IIRC)?  Does the original letter contain the requisite information?  And, If not, can I have this removed from my CR if he fails to validate? 

 

I received this letter on July 13.

 

Any input is appreciated.  Thanks in advance.

Hello,

 

I am hoping someone could help me with a  fairly basic semantics question-  I received a collections notice yesterday regarding a “Final Notice ” doctor’s bill received less than a month ago (on a side note, CO law requires at least 30 days notice before being sent to collections) , for an ER visit in May of 2007.  Everything I have found indicates that the SOL for medical collections in Colorado is 3 years. 

 

  However, according to the Final Notice bill,  the physicians’ group went back and forth with the insurance provider I had in May of 2007 a few times (June 2007, June 2008, November 2009)  last trying to bill them November of 2009.  Does the SOL period begin from the day medical services are provided, or the day that the health care provider gives up trying to bill the patient’s insurance company? 

 

  From what I have read, CO law requires you to notify the health care provider of your insurance coverage within 30 days of services being provided- no problem, they required proof of insurance  before any services were provided.  It seems absurd that they would wait so long in between trying to bill my ins. provider-I’ve tried to look up statutes regarding customary billing practice guidelines or requirements, but could not find any. 

 

  I was living in CO at the time services were provided, and still live in CO, and have only moved one time between then and now. I lived at my previous address for 18 months AFTER this ER visit, filled out a forwarding form at the post office when I moved, and the “Final Notice” nasty-gram was the first I had heard of this bill.  If the SOL is 3 years, it seems really fishy the first I would hear of the bill is after 2 years 10.5 months.

 

Thank you all for any help you may be able to provide

 

 

 Fairly new to posting but have been reading nonstop since I found this site. I think Im addicted to soaking up all of the information here. Also the success stories just gives you the confidence you need to do something about the health of your FICO score. My question is does anyone have contacts for GW Letters for the following OCs (should I even send GW to the OCs?)…

 

- Chld/Cbsd

- Cap One

- Chase

- Care Gemb

- Bk Of Amer

 

Any info will be helpful and greatly appreciated.  :smileysad:

• gw delete orchard

 

Another thing I would like to say is that I sent off PFD’s to Health Care coll for 4 other medical bills which are approximately at the most 2 yrs old. I will keep people updated on how those go. Anyone know if getting those off my report will make score increase at all?

 

Sent off 2 200. checks to Orchard bank for myself and my husband for a secured credit card each, we both were pre-approved for them online, but I guess you can’t make them joint account so got one each. We have 0 DTI so I think having an account will bring up our scores some, plan on buyig hay for the hroses with them every two weeks since we spend it anyway, 60. every two weeks, pay in full each month. How long does that take to bring up scores?

 

I have a bad check from 2005 was bad in nov 2005, paid in december 2005 shows up in one CRA twice, once as unpaid. Think a GW would do any good getting it removed from CR? Think a phone call might do it? It was for school lunches lol, sorry but to see a middle school on my CR kinda makes me laugh even though it should not be funny. $25. Global Pay is the CA, any ideas or anyone have any luck with them? Would love for it to be as easy as a phone call ya know..

 

I broke down and bought a printer yesterday to get this stuff done instead of asking friends to print for me all the time lol, I think this will help things go a little faster and smoother.

 

By the way, I have never been on a better board for ANYTHING this truely is like a family, and I am addicted… could be a reality tv show like biggest loser ya know.. “How many did you get deleted this week?” …  “four!”       “You ARE the BIGGEST LOSER!”

 

Anyone hear anything about this plan Obama has to stop foreclosures?… Heard somethign about it the other day, wish I had something like that when I got furloughed, my CR wouldn’t be so bad then, they should change the time a Foreclosure can stay on your CR to help those that went through it and can’t get the help they offer now. If only it were a perfect world, I remember being in the high 700 club before my furlough.

 

Sorry for rambling…

 

Thanks all!  

YOU ROCK!