My daughter was in an accident with my mother last year. She was taken to the hospital and must have given them her personal information during intake. She recently got turned down for a cell phone and I encouraged her to get a copy of her credit report. The hospital bills are on her credit report. Is this legal?? We were covered as far as insurance and I should have been listed as the person responsible for the bill. She was so shaken up that she didn't give them my contact information. Is there a way to have these items removed from her credit?
2007-10-28 07:28:58 · 4 answers · asked by mzbrwnskin 1 in Business & Finance ➔ Credit
For the record my daughter will be 18 on Dec. 1. She only recently applied for the phone.
2007-10-28 07:41:21 · update #1
Yes, pay the bill. You can ask the collector to remove the negative in exchange for full payment. Make sure you get it in writing before paying and don't give them access to your bank account.
The fact that your daughter is 16 might work to you advantage in working out the settlement.
Also, it's unlikely that a cellphone company would extend credit to a 16 year old. You have to be 18 to be legally responsible for contracts. It may have been her age and not the negative on her credit report that got the turn down.
2007-10-28 07:35:50 · answer #1 · answered by bdancer222 7 · 0⤊ 1⤋
Up until now I was never sure if Bdancer was a collection agent or not....I'm more convinced after that answer.
Dispute this report with the credit bureau and inform them that she is a minor! Then send a demand to validate the debt to the collection agency and ask them how they can legally collect from a minor? Point out that they can't, and they are risking a lawsuit unless this is removed from the credit report immediately.
I just went through this with a friends daughter.....they will drop this immediately rather then risk a lawsuit.
2007-10-29 05:32:59 · answer #2 · answered by Anonymous · 1⤊ 0⤋
Anyone under the age of majority, is not legally responsible for unsecured debt.
Not only should it be immediately removed from the credit report, but the collection agency is liable for damages.
The short answer to your question is: No
2007-10-28 07:37:50 · answer #3 · answered by Andrew L 1 · 0⤊ 0⤋
Yup. By disputing it! Shes 16..can't sign any legal documents or anything BY LAW..so it's actually the Hospitals fault. N im amazed they didnt contact you at all..thats weird
2007-10-28 07:36:59 · answer #4 · answered by change167 1 · 0⤊ 0⤋