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UNKNOWN COLLECTION APPEARANCE


stonejug
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I just recieved a collection on my credit report equifax after getting approved on a home loan of $225,000! A bill appeared of $120 at a hospital where my ex-wife of 19 years lives. a bill she did not pay using my insurance for our daughter. i was un aware of this doctor bill she never notified me nor did the hospital or the collection agency EVER!NOW I CANNOT OBTAIN HOME OWNERS INSURANCE BECAUSE MY HOME OWNERS FICO SCORE IS TOO LOW!THE COLLECTION AGENCY HAVE ME DOWN FOR A COLLECTION PLUS HAVING LATE PAYMENTS OVER A 24 MONTH PERIOD 2 NEGATIVES!

I have contacted this collection company by letter stating i was never contacted or even new about the bill and paid them immediatly NOW they wont pull it from my credit report CAN SOMEONE TELL ME IF THIS IS LEGAL TO POST THIS ON MY CREDIT REPORT BEING WELL I WAS NEVER NOTIFIED OR HAD ACKNOWLEDGED THE PROBLEM!

I AM CONSIDERING LEGAL ADVICE!

[Edit by stonejug on Sunday, April 20, 2003 @ 12:05 AM]

[Edit by stonejug on Sunday, April 20, 2003 @ 12:07 AM]

[Edit by stonejug on Sunday, April 20, 2003 @ 12:10 AM]

[Edit by stonejug on Sunday, April 20, 2003 @ 12:13 AM]

[Edit by stonejug on Sunday, April 20, 2003 @ 12:24 AM]

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<blockquote>Originally posted by stonejug

I just recieved a collection on my credit report equifax after getting approved on a home loan of $225,000! A bill appeared of $120 at a hospital where my ex-wife of 19 years lives. a bill she did not pay using my insurance for our daughter. i was un aware of this doctor bill she never notified me nor did the hospital or the collection agency EVER!NOW I CANNOT OBTAIN HOME OWNERS INSURANCE BECAUSE MY HOME OWNERS FICO SCORE IS TOO LOW!THE COLLECTION AGENCY HAVE ME DOWN FOR A COLLECTION PLUS HAVING LATE PAYMENTS OVER A 24 MONTH PERIOD 2 NEGATIVES!

I have contacted this collection company by letter stating i was never contacted or even new about the bill and paid them immediatly NOW they wont pull it from my credit report CAN SOMEONE TELL ME IF THIS IS LEGAL TO POST THIS ON MY CREDIT REPORT BEING WELL I WAS NEVER NOTIFIED OR HAD ACKNOWLEDGED THE PROBLEM!

I AM CONSIDERING LEGAL ADVICE!

[Edit by stonejug on Sunday, April 20, 2003 @ 12:05 AM]

[Edit by stonejug on Sunday, April 20, 2003 @ 12:07 AM]

[Edit by stonejug on Sunday, April 20, 2003 @ 12:10 AM]

[Edit by stonejug on Sunday, April 20, 2003 @ 12:13 AM]

[Edit by stonejug on Sunday, April 20, 2003 @ 12:24 AM]

</blockquote>

I think you did too much too fast with regard to paying the collection agency. You should have set up a contract settlement with them, and stipulated that the incident be removed from your credit report.

As for the rest, I would encourage you to seek legal counsel. A measly bill of $120 should not preclude you from owning your own home and having insurance to cover it. Home ownership is the American way, and millions of people do it. Get a lawyer and have them put an end to the BS.

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