The hospital claimed that I owed them money but never really sent me a bill. They were also told the truth, don't bill me because my mom is responsible for my bills. I see that they have put a mark on my credit. I want to dispute this. I wrote the FTC and filed a complaint against them. Is it possible to get this taken off my credit? How do I find out my credit SCORE for free? This is driving me crazy? Does the majority of the public have a perfect score or what is the normal score? I don't just want a free report, I want the score.
2007-08-03 17:36:34 · 5 answers · asked by kkecs07 1 in Business & Finance ➔ Credit
I was 19 when this went on.
2007-08-03 19:30:32 · update #1
If you were over 18 when the services were rendered, you are responsible for the medical bills. Regardless of what you and your mother told the hospital. If you were under 18, then it should be removed because you were not of age to contract and your mother would be responsible.
The best way to handle this is to write to each of the three major bureaus, Trans Union, Experian and EquiFax, disputing the debt as "not mine" if you were under 18. I would include proof of your age at the time services were rendered if it shows you were a minor.
Now if you were over 18, you could dispute the date of services, the amount owed or any other factors that may be inaccurate. The hospital has 30 days to verify the information as accurate. I have to tell you that this is probably an uphill battle for you. Because if the information IS accurate, nobody can legitimately have it removed.
As for most people's scores, I have never seen a perfect score. An "average" score is in the mid to high six hundreds. Credit bureaus have to give you a free credit report every year, but can charge you for your scores. Also, those credit reports that include all three bureaus may give you a score, but they are never accurate. The system has really turned ino a major rip off.
Anyway, that's pretty much what you can expect. Sorry I couldnt give you more info.
2007-08-03 17:59:02 · answer #1 · answered by Toodeemo 7 · 2⤊ 0⤋
You don't say how old you are. If you are not a minor, and you signed for the treatment and your mom didn't sign that she'd pay the bill, then it's YOUR responsibility.
You can get a free credit report for free, but have to pay to get your score.
Few people if any have a perfect score. High 600's, which is far from a perfect score, is generally considered decent - a score in the 700's is good.
2007-08-03 18:37:59 · answer #2 · answered by Judy 7 · 0⤊ 0⤋
To check your credit score, go to this website:
https://www.annualcreditreport.com/cra/index.jsp
You can view your credit score once a year from each of the three major credit bureaus, so you can check one of them every four months for a total of 3 times a year. This website is completely safe to use.
2007-08-04 02:38:29 · answer #3 · answered by Ziv Zulander 7 · 0⤊ 0⤋
You need to handle the complaint through one of the credit bureaus. They'll investigate it for you. I don't know how to get a free credit score.
2007-08-03 17:43:35 · answer #4 · answered by Frances 2 · 0⤊ 0⤋
To get your score for free, get prequalified for a mortgage with a mortage broker. Then, ask the broker.
No website will do it.
-->Adam
2007-08-03 23:05:58 · answer #5 · answered by great_and_mighty_adam_levine 4 · 0⤊ 0⤋