Credit Report???

Question

I have some Dr. bills on my credit report the Dr. office says it was because the insurance denied the claim and I need to pay them. I called the insurance company and they told me they did pay them and gave me the dates they were paid but the drs. office will not take them off my credit report and are giving me such a hassle about this. I dont know what to do can anyone help me is this insurance fraud and can I sue them if they dont remove them?

Answer 1

Ask the insurance company to send you verification of the payment so you can make sure they really are paid.

Send the doctors office copies of the verification.

Dispute the items on your credit report. Tell Experian/Equifax/TransUnion that you have proof that the bills were paid by insurance.

Answer 2

Take a two pronged approach.

First, ask for copies of each of the unpaid bills, including info about how much the insurance company paid. Then go verify that with your insurance company. If the insurance company actually paid more than what the doctor states, get some sort of statement from the insurance company about what they actually paid and submit that to the doctor's office.

Second, dispute with the credit bureaus. If you have the proof of insurance payment I mentioned above, include that with your dispute. Your dispute is essentially, the insurance company paid this, here's the proof. The doctor's office is in error and the bill needs to come off of my report.

Answer 3

Get a copy of your credit report from all 3 credit report agencies. Trans union, Experian and Equifax. [phone]..It is best to call from your home phone so caller id can help with the process on the end of the automated system that answers. Follow the directions, stay on the line until they ask you 3x about getting a copy of a report from each agency.

When you receive the reports, there will be forms for disputes. Make copies of these forms if you'd like to use more in the future.

Fill out the forms with the dates the companies were paid, etc etc..just follow the basic directions. The credit report agencies will do investigations to prove your info correct and will delete the info from the credit reports.

It is a bit tedious, but it is free, and it works. I have done it.

http://www.bankrate.com/brm/news/credit-scoring/20040618a1.asp

This URL may help ya along the way. Good luck.

Answer 4

You need to dispute it with all three credit bureaus. IThe bureau will send letters to all the insurance bills on your report and the companies have to investigate and turn their findings into the bureau. If they do not answer the disputes the bureau removes them. Upon the reported findings from the companies, the bureau will update as each company answers the request. With the dispute, you need to send in all the information to the bureau and go from there. Call your insurance company and ask them to mail or fax you the copies of all the paper work. Also, you can report the insurance companies to the better business bureau. You could take in all your proof to the doctor's offices and ask tehm to remove it or you will have to sue. See if you can scare them into action.

Answer 5

if they do not agree with the documentation that you had recieved from the insurance co. then take the creditor to court