Ok, here’s a real head-scratcher for me…
Upon pulling my wife’s credit report, I noticed there were nearly twenty collection accounts from a local collection agency that were on two of the three credit reports pulled. Upon further inspection, nearly all of these accounts were medical bills that were paid in full by her state insurance (or were supposed to be). We called the benefits supervisor for her insurance plan and she verified that many of these collections accounts had actually been paid in full by state. The ones that had not been paid she confirmed that the hospital could still submit their bills and be paid for them.
In a nutshell, the hospital, over the past seven years, did not have the insurance in their computer system correctly. They showed that we owed, and sent it to collections. The insurance in question covers 100% of the bill with no co-pay.
So it’s a fact, not an assumption, that most of these accounts are incorrect. However, our local collection agency will not delete these accounts until they receive confirmation from the hospital, who needs confirmation from the state, who needs confirmation from the collection agency.
Is there anyway to get this mess deleted from her credit file sooner rather than later while the state, the hospital, and collection agency duke it out? I mean there’s absolutely no doubt these items are totally wrong and shouldn’t be there.