Bad Credit Repair Discussion Forum - View Single Post

owmyfootisasleep · 09-29-2007, 03:20 PM

Hello, I need advice. My husband has had a great credit history until a medical bill, we found out our insurance would not pay for, was sent to collections. Basically the hospital wanted about $100 a month to pay it off and when I called to tell them we couldn't afford that, they told me the lowest they could go was $65. So I tried to pay that amount monthly but of course unexpected circumstances- my husband was laid off, but I still managed to send them at least $20 a month. I thought that would keep it from going to collections but it didnt. It was assigned to a collection agency 1 year ago- 9/2006. I then paid what I could, when I could, and just this week I was able to pay a large chunk and pay it off. What I now realize is that I should have tried negotiating with them to remove it from the credit report before I paid, but I didnt think of it. I got a copy of his credit report today and realized that this 1 negative (the only one) lowered his score alot. I called the collector and tried to get him to remove it from the report since I had just paid it off but he was a real butthole about it and told me basically "no way".
Please I need advise on possible strategies to get it off the report since we will be relocating and will need to apply for a mortgage in a few months. I've read that we could open a dispute with the credit bureaus to get verification & then again for method of verification if they do verify. Do you think this may be the only way? When I paid the amount they told me it would be reported on the 11th of October as "paid" to the credit bureau. Should we dispute now or wait until after they report it?
Another question, if we were to dispute, would it then not show on the report until the dispute is determined, or will it show during the dispute?
Any advice would be appreciated!

09-29-2007, 03:20 PM	#1 (permalink)
owmyfootisasleep New Member Join Date: Sep 2007 Posts: 8 Casino Cash: $300000	Ways to get a collection removed? Hello, I need advice. My husband has had a great credit history until a medical bill, we found out our insurance would not pay for, was sent to collections. Basically the hospital wanted about $100 a month to pay it off and when I called to tell them we couldn't afford that, they told me the lowest they could go was $65. So I tried to pay that amount monthly but of course unexpected circumstances- my husband was laid off, but I still managed to send them at least $20 a month. I thought that would keep it from going to collections but it didnt. It was assigned to a collection agency 1 year ago- 9/2006. I then paid what I could, when I could, and just this week I was able to pay a large chunk and pay it off. What I now realize is that I should have tried negotiating with them to remove it from the credit report before I paid, but I didnt think of it. I got a copy of his credit report today and realized that this 1 negative (the only one) lowered his score alot. I called the collector and tried to get him to remove it from the report since I had just paid it off but he was a real butthole about it and told me basically "no way". Please I need advise on possible strategies to get it off the report since we will be relocating and will need to apply for a mortgage in a few months. I've read that we could open a dispute with the credit bureaus to get verification & then again for method of verification if they do verify. Do you think this may be the only way? When I paid the amount they told me it would be reported on the 11th of October as "paid" to the credit bureau. Should we dispute now or wait until after they report it? Another question, if we were to dispute, would it then not show on the report until the dispute is determined, or will it show during the dispute? Any advice would be appreciated!