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Nate20121

collections reporting before insurance covered its part of a dental bill

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I wasn't sure where exactly to post this but wanted to get it out there and see if anyone could offer some advice.  I have been clearing up my Credit Report for the past 2 years and was almost at a respectable 670.  I had a dental bill default and go into collections as the insurance was dragging its feet since they were over billed. My insurance payed their portion of the bill ( i never got notification of this) and I paid the collections people the remainder as soon as I got the reduced bill from them. Is there any way I can dispute the negative on my credit report as it was reported before the final adjustment was made?
 

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Yes - just dispute it with the bureaus. See what happens.

 

If they verify, then ask the bureaus for MOV (method of verification) and send the CA a 623 letter.

 

 

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Will do and let you guys know how it goes.  Also I haven't found any solid information on this but was curious  about how why the dentist  did not pull the debt out of collections once the insurance said they were over charged and sending me a new bill  with the adjustment instead what they did.  they marked the insurance payment as a client payment and left it with the collection agency.   This situation is a little too technical for me.

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3 hours ago, Nate20121 said:

Also I haven't found any solid information on this but was curious  about how why the dentist  did not pull the debt out of collections once the insurance said they were over charged and sending me a new bill  with the adjustment instead what they did. 

Have you asked them?  No one here can tell you why they did what they did. 

You can do what was suggested above and it could take months.  I would start with the dentist and politely ask that they recall this collection account and delete it.  If that doesn't work then I would go the other method.  Often a polite letter to the provider gets you the result you want when it comes to medical debt.

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