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  1. #1
    Join Date
    Jan 2008
    Posts
    11

    Default Item Filed On My Credit Report When I Was Only Listed As A Contact On Their Form

    So my wife of only 2 weeks, went to a womans clinic for a condition. I was listed as a emergency contact. (her name smith / my name jones on the check-in form).

    I find out much later that her medical insurance (that she'd had for years prior, and even before I knew her) declined to pay for the 300.00 visit claiming it was a pre-existing condition from years ago. We now have joint coverage I set up with a different carrier (under the business)

    She received mail addressed to her (smith) in regards to this matter & I knew nothing about it really... I never opened her prior mail addressed to 'smith'.. Only those things we did jointly address to 'jones' (being married)

    So the long story short is, time goes by, I'm still a little in the dark about that issue when I'm served papers for a circuit court filing that lists defendants (1) her and (2) me, way off to the side. (for $394.00)

    Now I see they made a file on "MY" credit report...

    Q. Can I fight back on this?...

    I'd pay the bill on her behalf but beings they served 'me' papers and filed it on 'my' credit report I'd like to take the gloves off & do something about it... I don't care about the money, I only care that the item be removed from my credit report.

    Thanks so much in advance.

  2. #2
    Join Date
    Jan 2008
    Posts
    11

    Default Re: Item Filed On My Credit Report When I Was Only Listed As A Contact On Their Form

    I'm in Oregon b.t.w.

  3. #3
    Join Date
    Jan 2008
    Posts
    11

    Default Re: Item Filed On My Credit Report When I Was Only Listed As A Contact On Their Form

    Can't anyone give me a basic short list of do's and don't(s) with this?

    Is what happened to "me" here legal for them to have done?

  4. #4

    Default Re: Item Filed On My Credit Report When I Was Only Listed As A Contact On Their Form

    FACTA says they can't file on your credit report unless it was you applying for credit. That is a violation unless they actually got a judgement in court already on you. They can't even look at your credit by law until a judgement was made against you that you didn't respond to.

    Whatevery your wife knows you are deemed to know. If she was given a notice of a court case and didn't show or reply you automatically lose and a judgement is awarded to the Plaintiff.

    You need more information.

    Also most insurance companies always cover preexisting conditions. Check the wording in your policy.

  5. #5
    Join Date
    Mar 2005
    Location
    Florida
    Posts
    435

    Default Re: Item Filed On My Credit Report When I Was Only Listed As A Contact On Their Form

    have they already obtained a judgment against you? or is the lawsuit ongoing?

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