Removing Collections From My Credit Report - Paying Entire Debt At Once?

Question

I have 2 collection's on my credit report for medical bills.I have the cash ready to pay both off in FULL so NO payment plan will be needed (I know I could pay less but I want a GOOD chance to have this removed from my credit report) What are my chances of telling them I will pay in full under the condition that I want it removed from my credit report? Here's how "I" think I should go about calling them:

I'll call them and ask them if I have permission to record the call. Ask for their name (so its recorded for ref) Then tell them I am willing to pay in full under the conditions it's removed from my credit report. Then request it in writing if they accept, Pay them with a money order in a certified envelope.

Sound like a plan?

Answer 1

First, never speak to a collector by phone - even if you are taping. Always send correspondence in writing to them. And never sign your name, type it or just print your initials. Always send everything certified mail return receipt.

Next, if you use your rights under the HIPAA laws, you can bypass a collection agency and deal with the medical provider.

Using HIPAA, upon payment, the medical provider must recall the debt from the collection agency and demand that the collection agency delete everything in their files about you and remove any trade lines they had placed on your reports.

You might go to the last link I have listed in my profile and do some reading in the medical forum about HIPAA and how to use it. Feel free to ask any questions you may have in that forum.

edit++++
If this sounds familiar, it's because I had answered pretty much the same way to your first question. I wasn't paying attention to the name of the question askers, lol. sorry.

Answer 2

Who are you planning to call? The hospital that billed you or the credit reporting agency? Once the hospital reports something to the credit agency, they can't revoke it. If you want it removed, you need to negotiate that with the agency that generates the credit report, not the company that billed you. You may be able to get the company to agree to recommend to the reporting agency that it be removed, but it's not in their control.
It will be very difficult, but you have nothing to lose so go ahead. Good luck.

Answer 3

If you want to go that route you don't need to record the conversation. Just get the agreement in writing via fax.

In the agreement state that they agree to delete it from your credit report upon full payment and not show as a "paid collection".

After payment, dispute it with the credit bureaus as being paid per agreement of it being deleted from your credit report.

Its done deal....

http://www.DisputeDemon.com
http://www.CreditscoreBooster.com

Answer 4

Echo's answer covers maximum of what i might have reported...permit me upload a pair issues. whether a collector sues you a great deal relies upon on the quantity of the debt and the place you reside with regards to the sequence enterprise. many situations they gained't mess with money owed below $500...for $2000 you would be a aim. undergo in recommendations that merely because of the fact the handle of the sequence enterprise says Nevada does no longer mean they don't have an area place of work on your state. in the event that they have an area place of work, they are going to sue for even small quantities because of the fact they're already going to court docket to take heed to different situations, and the court docket will team all their situations on one docket. i've got seen a similar sequence criminal expert do a dozen situations in a row. so which you may desire to look at those factors. Your money owed are 5-6 years previous presently. After7 years (from the date of the delinquency) they are going to drop off your credit record. As time is going by using, the end results of adverse products on your record lesson, yet once you pay off the debt, it is going to turn your itemizing to a recent status, and which will harm your credit until eventually it finally drops off. So my suggestion is to persist with Echo's suggestion and discover out what the SOL is.....if it is over the shrink forget approximately approximately them. If it is real close do no longer pay it and notice in the event that they goof up and fail to record. do no longer attempt hiding in the back of a post place of work field. technique servers have particularly some tips about a thank you to discover your real handle, and in many states they might extremely serve you by using sending on your PO field. I do technique serving on the area, and in maximum states is extremely straight forward to discover you this form.

Answer 5

Hi!
Sadly...even if you get them to agree to remove the record after payment..they still may not. I have heard of cases that people got collection agencies (in writing) to agree to remove after payment..and they did not. Just be aware of this.

Also...do you realize you by paying it you restart the seven year clock on this?

It may do more harm than good..I just want you to realize this.

Answer 6

i was told that it doesn't get removed they just list it as collection paid off, but creditors dont look at medical bills that much either they look at cc mostly on your credit reports

Answer 7

You pay them and they will remove you...simple as that.

As long as you keep fussing around asking for papers they won't give you, you'll stay on the list.