Freaky Bad Double Entry For Which No One Wants To Take Responsibility

Apr 022010
 

I had a medical collection for $75 on my report that I paid in October– before I was aware that I could get such things removed. The OC would not accept the money at the time, and directed me to the CA. I did so and forked over the cash.

 

Last month, I contacted the CA because the collection is showing up on my report twice: once as unpaid, once as paid (but with different account numbers.) They had recently updated their software systems, and have had problems with new account numbers being generated for everyone who paid from September of last year until now. She told me that while she can get the unpaid version removed by the first of April when her office reports to the CRAs again, she can not remove the paid version as she does not have the power to do so. As of April 2nd, this entry is still on my report– TWICE– and both entries are factored into my negative accounts number. Unacceptable!

 

I contacted the OC to see if they had this agency assigned on their behalf, and if they could have it removed. A very sweet woman emailed me, then called me to explain that the hospital changed billing companies a few months after my visit date. There is a woman who works part time for the hospital handling old cold files like mine, but it could be a few weeks before she contacts me to determine if she has the power to delete or not.

 

I’ve pored over the forums in the hopes of finding a coherent explanation of someone getting a collection that was paid to the CA removed from their reports– but with little luck.

 

Does HIPAA apply? If so, does anyone have a link that will explain to me what I need to do at this phase? If HIPAA does not apply, what should my next step be? Do I contact the CRAs? Do I contact the CA? Do I curl up in the fetal position with a pint of Ben & Jerry’s within arms’ reach?

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Mar 092010
 

I had a bill from a Radiology place that never billed my isnurance. I moved and never got bills from them. Pulled CR and seen it there from 2009 (late 2009) so I called OC they said sorry. Basically, took down my insurance information and has since billed my insurance. They called CA and told them to pull it off my CR, this was on 03-03-2010, I called CA today and they told me they did pull it from all 3 CRA’s but for some reason I have not got ANY score watch alerts for this. Does it take longer? Will this brong score up maybe?  Need 20 points to buy house…

 

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!

Message Edited by eatmorechicken on 03-09-2010 10:50 AM