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  1. #1
    Join Date
    Feb 2009
    Posts
    5

    Default Collections for Medical Bill

    My question involves a credit report problem in the State of: California

    When I was 16 years old I took myself to the emergency room alone. Since I didn't have anyone with me, Kiaser Permanente apparently billed me rather than charge me up front.

    Once I turned 18, I applied for various credit only to find out after about a year that I was getting denied due to a collection that was hitting my credit for the ER visit I had when I was 16. Over the two years, I was never contacted about a outstanding fee from Kiaser. I then called up and paid the collection just to get rid of it; yet, my credit rating still hurts me when trying to apply for new credit.

    Is it legal to charge something to your credit before your 18 years old? In this case, I wasn't even 18 and I already had a collection hurting my score. I thought there was some reasoning why you have to be 18 in order to obtain a loan or credit card. I am now 23 years old and still feel as though my credit score is hurt by the the collection which happened 7 years ago.

  2. #2
    Join Date
    Jan 2008
    Location
    Toledo, OH
    Posts
    16,307

    Default Re: Collections for Medical Bill

    Is it legal to charge something to your credit before your 18 years old?
    Do you mean, is it legal to report an outstanding debt on your credit report? Yes.

    On the bright side, if the debt is 7 years old, it ought to be dropping off your credit report soon. Pull your credit and check the drop date.

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