Medical Bills (Paid Off) On Credit Report. How To Get Them Off?

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Dylan1982
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Medical Bills (Paid Off) On Credit Report. How To Get Them Off?

Postby Dylan1982 » Sun Sep 08, 2013 11:49 am

I had some medical bills on my credit back from 2009 when my 3 yr old son had to get a surgical procedure done. They have since been well paid for.


When I go to my local CU (I know the Personal Banker really well), when she pulls my credit report for a loan or what not they collections are still showing up. They are showing having been paid, but non the less they still show up and are affecting my score ever so slightly.

Also when I did a CLI on my Chase Freedom card, I had to call the back door number to get my CLI, she pulled my report and again mentioned my medical bills.

My question is, how can I get these off my reports? They have been paid for some time now. These collections showing on my report haven impacted me yet, jsut anytime my credit gets ran they come up and they get pointed out to me.

My credit score from CK = 700 (TU)
My credit score from CreditSesame = 755 (EXP)


Just want to get rid of this annoyance once and for all!!!
Chase Freedom - $12,500 (2/2013)
GM Card - $7,700 (7/2002)
CitiBank (Thank You Preferred) - $6,400 (6/2012)
CitiBank (Diamond Preferred) - $4,600 (6/2012)
Rogers & Hollands - $3,300 (3/2006)
Target REDcard - $3,000 (11/2014)
BestBuy - $1,600 (9/2003)
Discount Tires - $1,000 (2/2004)
Kohl's - $300 (4/2012)


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Postby RewardHop » Sun Sep 08, 2013 12:50 pm

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Dylan1982
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Postby Dylan1982 » Sun Sep 08, 2013 1:48 pm

Is it better to write the credit bureaus for a paper trail or better to call them?
Chase Freedom - $12,500 (2/2013)
GM Card - $7,700 (7/2002)
CitiBank (Thank You Preferred) - $6,400 (6/2012)
CitiBank (Diamond Preferred) - $4,600 (6/2012)
Rogers & Hollands - $3,300 (3/2006)
Target REDcard - $3,000 (11/2014)
BestBuy - $1,600 (9/2003)
Discount Tires - $1,000 (2/2004)
Kohl's - $300 (4/2012)

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Terry
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Postby Terry » Sun Sep 08, 2013 4:18 pm

Dylan1982 wrote:Is it better to write the credit bureaus for a paper trail or better to call them?



Disputes can either be filed with each bureau online or by mail. If the information in your credit file is inaccurate, then filing a dispute with Experian, Equifax and Transunion is in order.

The following is a link to the FTC website describing the dispute process:

http://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports
AMEX Green Card - NPSL [Member Since 1995] ;)
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Chase Freedom Visa Signature ($17,000) - For 5% rotating categories
Citi ThankYou Preferred Visa Signature ($16,000) - 2% dining
Discover IT Humane Society Design ($16,500) - For 5% rotating categories
Firestone ($2,600) - For 0% financing
Home Depot ($10,000) - For 0% financing
JCPenney Credit Card ($7,000) - For special discounts
Sam's Club MasterCard - ($20,000) - 5% off gas at any fuel pump
Wells Fargo Personal Line of Credit - ($15,000)

FICO's - 767 EX, 778 EQ, 790 TU [02/2015]

flan
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Postby flan » Sun Sep 08, 2013 6:26 pm

RewardHop wrote:You need to dispute the item on your CR:

http://www.myfico.com/crediteducation/questions/error-on-credit-report.aspx


If the reports are accurate, there's nothing to dispute. You can either live with them (until they're 7.5 years old (from the first default of the original account, not the collection account.), or you can write the creditors and ask them to be nice and delete the accounts. You can do until they get sick of you. Myfico has lots of sample good will letters.



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