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i have several medical bills that went to collections due to a car accident in which the other driver at fault did not have insurance...after a legal battle my insurance paid everything but all those bills went to collections..can i get that negative listing removed??
medical bills
Hi vfsalinas,
Welcome to this community :)
I think you could have discussed this with your insurance company before making the payments. As far as I understand it was their job to negotiate the removal of the negatives from your credit report. I am afraid that the collection agencies may not work with you to remove the negatives now, as the dues have already been paid.
Thanks,
Aaron
You may have a hard time getting your money back if you do it on your own, as aaron stated turn it over to your insurance company and let them deal with it.
Am I understanding that the insurance company already paid them? or they did not pay the ones that went to collections? They should have paid them all if they were all due to the accident.
medical bills..
i looked into it and they suggested to send a letter validating or proving the debt was mine and since its been paid they more than likely wont have the proof to prove it...another suggestion was that it could be a violation of HIPPA rights since they are still having it on my credit after it being paid...they can only keep it on your record if y0u haven't paid them...it was also mentioned however that if you pay medical bills to the CA itself and not the OC, you waive your HIPPA rights...my insurance handled everything, im not sure if they paid the CA or the OC.....
medical bills
the insurance paid all the bills before issuing me my check...i realize now that i should have been more involved and careful as to this situation...
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Your parents can add you as an aurhtoized user to their account and you will still build credit. Every time someone adds you to their account, that account lists on your credit report. Applying for a student credit card is also a good option. Odds are that you're not going to need a high limit because you're only using the card for gas. Most student credit cards start with around a $500 limit. Either way both choices have the same result. Although I personally would apply for a card of my own. That way you can develop some tenure with a bank. The longer your accounts are open the better it looks on your credit report.