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Paying the past-due bill doesn't remove it from your credit report, it changes the status of the payment, but you still get a negative hit for the bill being late and reported as a "collections" item, if that's how it was reported. On your report, was it listed as a "outstanding collections" with the original doctor's office, or with a collections agent? Is the bill past the statute of limitations for your state?
I have found some good info and answers of the forums at myfico.com. Hoep this helps! :)
I'm not sure how long it takes, but I believe that they can contact the credit agency to change the status of it or something.
I would ask them why you never got a bill and if they have no good reason, I'd contact the credit agencies to file something on it not being accurate/correct. Sorry I couldn't help more!
Well, Crap. In doing research, a few mortgage people chimed in to others and said that the best thing is to pay it at closing, not before if you're going to be getting a mortgage in a few months... I think I need to call my mortgage person...
ETA: Also, apparently I can negotiate to have it taken off my record. I think I'll be trying that. Of course, it's lunchtime and the medical office is closed.
If you don't somehow get it removed, payments over 3 months late that have gone to collections take SEVEN years to come off your credit score. A friend of mine just had something similar come of his report...I just had something similar get put on. :( Let me know if you find any way to get it off. I seriously never got any sort of bill and they didn't contact me about it until it was already 3 months. :(
Contact the doctor and make sure that it was a mishap on their part. Then dispute it with all three credit boards and make sure the doctor approves the dispute and they remove it. I fixed my fi's credit when we bought our house by disputing every single negative thing, some companies don't care enough to put up a fight and just approv the dispute. I got his credit up almost 100 points by doing that.
If you ou never received a bill you can contact the credit reporting agency and file a dispute. Obviously pay the bill, but I have found that doctor's offices are the worst at being shady with providing bills. Same thing happened to my parents, my dad had surgery and they never received the bill from the anesthesiologist. It went to collections, and my parents immediately paid the bill, then filed a dispute saying they never received the bill from the doctors office. It sucks, and it's a lot of work, but thats why you need to be really careful. Every time I go to a doctor and I know I am getting a bill, I watch my mail like a hawk. If it's been a month since the appointment, I start making phone calls and I document them like crazy.
Dispute that bad boy! Hopefully the lady at the dr office will be nice and understanding and fix it. I almost had an apartment fee go to collections once--because a roommate of mine didn't pay it. I caught it with 2 days to go and sucked up the $60. I was livid.
Seriously do places just send mail and NOT call you anymore? I hate junk mail. I try to watch it all coming in, but still....a phone call would be nice, ya know? "hey you owe us X"...."ok here it is....". Or an email. How sad is that? I want my bills on my iphone =]
I second and third the dispute, dispute, dispute. If you have already paid the bill off, it isn't worth the trouble for the company to say that it was paid late or whatever. They will usually let it go and it will be removed from your credit report.
Another thing that you can do is negotiate at the time that you are making the payment. In exchange for paying the full amount immediately, have the creditor agree to report the debt as Paid as Agreed/Paid in Full. Not only will you get rid of the negative, you will also boost the positive which is great....b/c positive items stay on your credit report.
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Well, buying a house has at least alerted me to an issue I didn't know existed, a $100 dermatologist bill that wasn't paid! For real! It went to a collections agent and I have not heard ANYTHING about this bill, EVER! No mail, no phone calls, nothing!
My score is "average" with it on there, but I worked really hard to open a business and maintain my debt free credit score! GRRRRR so frustrated!
I contacted the Dr's office and paid the bill but the lady who handles past due accounts wasn't in at the moment. I haven't heard back yet, but here's my question...
How long will it take to see it reflected in my score? My FI has an amazingly HIGH credit score but in buying the house we both have to sign as I am the primary income right now. So, my credit score is raising our potential interest rate! This sucks because the higher interest rate could mean a LOT... a massive amount of money in added interest on a mortgage.
How long does it take to get that stuff off your report?