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  1. #1

    Default Getting A Collection Agency To Remove Reported Debt

    My question involves collection proceedings in the State of: PA

    I look at my credit report at least once a month. I just noticed 2 new reports from a collection agency. They were 2 different doctor bills. I called the col agency, and they said these bills were from 2001 and 2004. I told them I had no knowledge of these bills, and they should have been paid by my insurance, and I asked why they just now came to light and they would not answer me. So, I called both doctor offices direct and asked them why they had waited several years to notify me of these bills, and they told me that their office had just called this collection agency complaining that they never collected on these bills. She said the collection agency has had them for years. Anyhow, since she called them complaining, they must have dug around, found the bills, and put them against my report. I paid the doctors offices direct for these 2 bills. I then called the collection agency and told them that I wanted them removed from my report since they never informed me of these bills and waited all these years and just stuck it against my credit. Who/Where can I turn to get them to remove this from my report? Don't they have certain procedures that they have to follow before they can put it against my report. Thanks.

  2. #2
    Join Date
    Apr 2008
    Location
    Texas (Dallas area)
    Posts
    1,404

    Default Re: Getting A Collection Agency To Remove Reported Debt

    Hi,

    You need to contact all 3 credit bureaus, write them a letter stating that you paid directly to the doctor and NEG collections should be removed from your reports.

    Here are links to write the letters

    https://www.ai.equifax.com/CreditInv...sp/default.jsp



    https://www.truecredit.com/help/lear...?cb=TransUnion

  3. #3

    Default Re: Getting A Collection Agency To Remove Reported Debt

    Thank you for your reply. I had already disputed them on line, and it came back as verified as accurate. Any other suggestions?

  4. #4
    Join Date
    Apr 2008
    Location
    Texas (Dallas area)
    Posts
    1,404

    Default Re: Getting A Collection Agency To Remove Reported Debt

    Once the credit bureaus verify the debt as accurate they will not remove them from your report.

    The only other way is to contact the collection agency. Tell them that you had no idea that your insurance plan did not pay this portion and when you found out about this you paid the doctor right away.

    Ask the collection agency to remove the collections from your credit report as it was an oversight and not done with knowledge.

    If you contact the collection agency twice a week, ask them to do this, in time they will probably agree as it is more of a headache for them to keep this paid account on the books and they will look to get rid of you so to say from waisting their time.

    Most collection agencies are resonable. I would just ask them, and in time they will remove them.

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