Keldar2222 Posted June 10, 2007 Report Share Posted June 10, 2007 Long story short:Two and a half years ago my wife was in an auto accident, she was rear ended and suffered fairly serious lower back issues. We were (and still are I suppose) both young, and didn't really know what to do. After the medical bills got insane, we hired an attorney. From that point on all the medical bills went to his office. The accident was finally settled about six months ago. The attorney advised us that all outstanding medical bills were paid as part of the settlement, and that he would send letters to the credit agencies to let them know that any negative marks were due to that accident but he did mention that he could not promise that anything bad would be removed.We have pulled our credit reports in order to start getting our financial house in order for a home loan. Her credit report is RIDDLED with "paid collections" - all medical bills related to the accident.What is my best course to get those removed? There must be 10 or 15 of them on her report, and we would like them gone ASAP. Debt Validation? Call the CA or Original Medical facilities and ask them to delete - referencing our lawyers office if needed? (ie "Please contact my Lawyer at the following contact info, he will provide necessary documentation that shows the bills were due to an auto accident that was not my fault) Link to comment Share on other sites More sharing options...
merkurfan Posted June 10, 2007 Report Share Posted June 10, 2007 Step one, dispute them. Use "insurance did not cover in timely mannor" for a reason. See where that gets you. Mortgage companies like to see paid collections over unpaid ones. So your likely in a better situation that most. Explain to the mortgage people what happened and what your trying to do to correct the problem. Link to comment Share on other sites More sharing options...
thomassl Posted June 11, 2007 Report Share Posted June 11, 2007 I would contact the OC's accounts receivable department on this. Since the debts are paid, most times they will contact the credit bureaus to have them removed. I had this happen to me and after contacting them, I also asked for a letter stating it would be removed. I waited about one week and disputed with the CRA's sending a copy of the letter "certified" to them showing it was to be removed. Within 30 days of their verifying it along with my letter, they were removed! Your attorney should be able to help you devise a letter if necessary to the original creditor. Link to comment Share on other sites More sharing options...
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