I heard health care bills do not show up on your credit report in CA, is this true?
448030
that is not true.  I have had them show up on mine when I don't pay them
985749
it should be listed on your credit report\n\nwww.equifax.com
362314
I'm not sure if it is classic fraud, such as billing for services not rendered, but it does sound like there is a problem in the billing department.  I'd write the doctor a letter explaining what happened and telling him your concern.  He/she may not be aware of the problem.  The billing department is filling in the wrong information on the form.  \n\nHowever, if the problem persists, you have your letter as proof that he knows it.  Change doctors and get all of your medical files forwarded.  Then, send a formal complaint to your state attorney general with a cc to the insurance company and the doctor.  Be sure to enclose a copy of the letter previously sent to your doctor, and his response, if any.
144666
Absolutely, it does. If you want to get credit, those nasty medical bills need to be paid off. My suggestion would be for you to pick 1 or 2 bills per payday (depending on how much they are) and pay them. After a while, they'll be taken care of, and you will be able to get credit. Good luck!
706449
To the best of my understanding they can't. As long as you are paying then that shows good faith that you are gonna pay it off. I had a problem with a hospital bill awhile back. I sent them 10$ a month. There was nothing they could do about the amount being sent cause I was paying. \n\nSee what some of the other responses are but I think I am right.\n\nGood Luck!!!
762867
Yes it will keep your fico score down as long as they continue to report it every month.\nYes its possible you can get a new credit card but the rates will be higher.http://www.hsbcusa.com/personal/credit_cards/orchard_mastercard_product_info.html\n4.You can try to wait them out and it will get a little better but your score will stay low as long as they report on you even if you have good accounts.\nTo be honest its no way to beat the system you have to pay your debts or your credit will be bad and you will have a low fico score.\nI just went through the whole thing, I only had one bad account a credit card charge off. All of my other bills were in good standing but I saw my score drop to 558. I waited and disputed the original creditors and got them removed. The collection agency that bought the account started to report as my score increased back up to 640 the collection agency would report it as late derogatory, charge off. I was back down to the 550 range. You have to be careful because if the balance is high enough they will sue you in court and possibly garnish your wages and enter a judgment on your credit report. It was a headache for me so finally I just settled the debt and disputed it off my credit report. Good Luck! and here is a link that may help you find some information on disputes and debt validation etc.\n\nhttp://credit-repair-basics.credit-repair-forums.com/
557633
You need to take the time to read the Fair Credit Reporting Acts and the Fair Debt Collections Act.  The reason you are having a hard time with these boneheads is because you don't know the law, and they are running all over you!\n\nI've posted the relevent parts below that will help you out.\n\nFirst, when you contact the collection agent, you must do so IN WRITING to prove you sent them a letter.  Be sure to state you want to have your debt VALIDATED!  This is very important.  Once they receive this letter, they must reply within 30 days.  Their reply must have PROOF that you have a legal obligation to pay this debt.  That means contracts, bills, receipts, and everything used to calculate what they claim you owe.  Also be sure to include a cease and desist warning, with warning about posting anything to your credit report while this matter is in dispute.  Once that is done, they can't do anything until the debt is validated.\n\nIf the fail to supply this information, and post negative information on your credit report, they will be in violation of the Fair Credit Reporting Act.  Whether the debt is legal or not, posting unvalidated reports is against the law and you can sue them in small claims court for $1000 very easily.\n\nIf they validate this debt, and it does appear you owe them, then pay the bill.  By law, the Collection Agency can not post anything to your report within 180 days of the date of delinquency.  (that's six months to you collection agents reading...).  \n\nI would also follow through with a negotiation demand that if you pay the bill, they will agree IN WRITING not to place negative information on your credit report, or remove anything that they did place.  Do not actually make a pledge to pay, or you may be restarting the clock on the Statute of Limitations.  Do not acknowledge that you owe the debt.\n\nContact me if you need any advice or encouragement.  I am not a lawyer or credit counsoler, just someone who likes to get under credit collectors skins.
888638
It shouldn't affect it as long as you are shown as being "current" on the card payments. Credit reports and ratings are more to point out high risk people rather than keep tabs on whether a card is active or not.
92203
It depends on what state you're in.  California has a number of laws on this issue, but if you're not in California, I'm not sure what to tell you.\n\nYou need to give your state.
602304
juzme is completely wrong, so ignore that nonsense.\n\nLet me clear up a couple facts about credit reporting.\n\nCredit Reporting Agencies will report (or remove) any negative information that the creditor tells them.\n\nThere is no law preventing a creditor from removing his own credit information...even if it is correctly reporting a late or charged off loan.  All they have to do is tell the Credit Reporting Agency to delete it.  Many times they will try to tell you they can't, or that it's illegal.  Believe me, they can do it.  I've read the law...I've had it done for myself and many other's i've worked with.  They are simply either lying or completely ignorant.\n\nNow, that said, there is the trick.  Once the creditor has your money, you have lost all leverage in getting the creditor to delete the negative report.  So, before you pay them a time, get them IN WRITING to agree to remove the information.  \n\nYou need to sit down and work out a serious budget, and find out how much you disposable income you have to pay down these debts.  Then start contacting your creditors and work out a plan.  Ask to have your balance lowered, freeze the interest and late fee payments, and whatever they will do to help you out.  Most times you will get a cold shoulder, other times they will work with you.  Work on paying the bills that most recently went into default, or to those who are offering to help you with your debt.  Then do the best you can.\n\nIf it helps, defaults that are from a medical charge are reported that way on your credit report.  It still looks ugly, and doesn't help your credit score, but if the creditor is actully looking at your credit report and not your score, it may help your situation a little bit.
427538
Are you trying to say the doctor screwed up and caused the bill to go up?  If so, you have negotiating room.  Tell them to cancel the bill or they will be hearing from lawyers.
622345
Joieanew, please tell the whole truth!\n\nIf you pay your bills, you have to hope that the creditor will do something about your negative credit report he placed.\n\nJust placing "Paid in Full" does NOT remove any additional bad marks, such as that it was in collections, or that there were late payments.\n\nTherefore, unless the item is completely deleted, or the entire status is changed to "Paid As Agree, Never Late", you will still have bad marks on your record, and it will still keep your credit score low.\n\nThat is why, if you plan to pay off your debt, make the creditor agree IN WRITING to remove any negative report from your record.  Yes, they can do it.  Yes, it's totally legal.
634
If you have past due accounts with collection agencies your best bet is to try and settle the debt with them for a portion of what you owe.  Your credit report will reflect the account as a paid settlement.  If you have medical bills you should make a payment to them every month, even if it is only ten dollars.  Most hospitals and doctors offices will not send your account to collections if you are still making small payments each month.  If you owe a credit card company they usually agree to drop interest charges or late payments in return for a lump sum payment to pay off your account.  If you still want a loan to pay your debts you should consider a secured loan from a bank or credit union.  They use your house or automobile as collateral until you pay off the loan.  Your other choice is to have a credit worthy friend or relative who has good credit co-sign the loan with you.  The only down side is that if you are late making loan payments or stop paying on it the co-signer gets his or her credit hurt as well as yours.
199045
Yes, I will not bother with the list because you can see the ads all over the place.  Here is the caveat though, the reports are free, the credit services that you have to sign up for to get the free reports are not free.  When you sign up for the free credit report, you are also signing up for credit service.  To keep from getting charged from these services, you need to cancel the service quickly.\n\nAdded:  Oh yeah, I forgot about annual credit report.
121130
on line you can get all three reports from a link called annualcreditreport.com, this allow you to access your credit history once per year free. Please keep in mind that only those bills that are reported to then will show. if you have current bills that have not been reported they will not show although some in good standing will show if the creditor reports them.
1093197
I would contact the better business bureau and place a negative report on their business. Next I would contact the credit card agency and ask them how to dispute this charge. Since this is from December 05 you might have a hard time getting them to do anything since that is almost 6 months ago.\n\nAs far as small claims court goes, you have 2 choices in filing a case. You can report it in your precinct where you live and if they will not go across state, which i do not understand as i have done this several times with medical collections....then you can file in the precinct where the business resides. You would need to call the county clerk for that county or the sherriff's dept and they can tell you which precinct that address would fall under. Best of luck.
1086827
They do affect your credit FICO Scores but lenders generally ignore medical collections...\nNeed more info contact me through my E-mail\njonnylender@yahoo.com