 A cr. card company suing us in small claims court for a debt that is not on our credit report? Can they win? |
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 Still on collection report after 7 year period (1999)? |
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Arash L | I have a delinquency on my credit report when I didnt pay a doctor's bill. How can I clear it from my report |
I want to clear it from my credit report so that it doesnt appear as a delinquency. They have already sent it to collection agency. what can i tell the collection agency in order to remove it as if it didnt even exist and assuming i pay it in full. |
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ladynene03
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To be honest I have done that but not with a doctor's bill. If you had insurance at the time you can state that u submitted to your insurance but that may not hold up. Therefore your best bet is to set up payment plans with the collection agency and sometimes they will give you a discount (I AM DEAD SERIOUS)! I received a percentage off of one of my debts and they gave me full credit just by paying half of it! So call and speak with them! GOOD LUCK! |
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Spoiled
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Everyone has given you good advice here. Your best bet (assuming that it is not an error and you really do owe the money) is to make arrangements to pay it off - sometimes creditors will be willing to take a lesser amount than what is owed just to get some form of payment (for example if the negative item was on a credit card from a department store, sometimes the creditor will be willing to knock off some of the interest on the debt ). If it's any consolation to you, when considering negative credit, medical bills are not as big a blemish on your credit report (mainly because medical bills are considered an "unexpected expense") as say, paying a mortgage late (which really kills your credit) or making a credit card payment late. Best of luck to you with your credit report. |
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Jim C
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You can't. Once it's there it's there for seven years. Once you pay it that'll show too. One isn't going to kill you. It's the repeated ones that will. |
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tina m
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Even if you pay it, it will remain on your credit for a few years.
The only items that can be removed are really old items, and errors. |
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Lianne
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Whether you pay it or not you will not get it off your credit report immediately, you have to wait until it expires, to gauge when that is see the credit report time line at http://creditwisdom.blogspot.com/2006/09/credit-report-timeline.html |
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willywonka1999
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If the doctor's office bill is valid, contact the collection agency to work out a payment plan (often they take small payments so long as you commit to make the payments until the debt is paid off). Once you do this your account will reflect that you're up to date.
On the other hand if the bill is not valid and you really do not owe money to the doctor office. Contact the doctor's office to rectify the billing error.
You can also in addition to following what's suggested in paragraph one, place a statement with your credit agencies (bureau's) saying to the affect that the debt to the doctor's office is being disputed. You should also tell the collection agency that you're disputing the debt.
Once the debt is paid off (assuming that it is a valid debt) it'll reflect paid in full in your credit report. It won't reflect negatively on your credit report for the next seven years. |
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Just another 2D character online
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You can't. That mark will be on your credit report for the next 7 years. Be careful. Don't get fooled into paying someone who says they can remove it. Once you pay it, it will simply say that you no longer owe them any money but it will still show up on your credit report. The only thing that can remove that mark is time. |
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Luckys Charm
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dispute it. medical bills are usually removed quickly than other debt |
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STEVEN F
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Accurate information can only be removed after 7 years or at the request of the creditor. You can ask them to before you pay to agree IN WRITING to remove the information upon payment. If you don't have this in writing BEFORE you pay, you have no leverage over the creditor.
A paid delinquency is better than an unpaid one. |
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kimberleibenton
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Pay it as soon as you can. It wont come off your credit report right way, but at least it will show a zero balance. If you need to make payment arrangements, call the collection agency and speak with them. |
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jen
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Tell them that you will pay off the bill in full right this second if they put it down as "paid in full" on your credit, which will look as good as you'll get. Get it in writing, though, from them. They just want to get paid. I have tons of creditors after me due to hospital bills and one of them I just send a little check each month to shut them up and they accept it because they just want any money. You can get your way with them if you are firm. Some of the creditors can be very mean, though, so just beware. |
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