MuteDebt

How do I repair credit with CA Medical Debt

3 posts in this topic

I'm helping my boyfriend repair his credit. In California SOL is 4 years. Two of his debts are SOL (2013, 2012), one will be SOL (2014) in September. I read that negative reports can stay on for 7 years. I'm a little confused, where do  I need to begin to get these adverse listings removed. Do I start with the collection agency? Do I start with the credit reporting agency?

The collection agency also keeps updating the listings and updated most recently 7/5/2018. 

I also thought that medical debt could not be reported in the state of California, is it different when it is a collection agency?

 

PS I,originally, was fighting my own collection lawsuits and was in "Is there a lawyer in the house" It's nice to see some original posters still fighting the good fight!

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26 minutes ago, MuteDebt said:

I read that negative reports can stay on for 7 years.

This is correct. They may not be able to sue you due to the expired SOL, but they can report the debt for 7 years.

27 minutes ago, MuteDebt said:

The collection agency also keeps updating the listings

They are permitted to do this. They can't report false information, so as long as they report/update accurately, they can do so every month until the 7 years is up. 

29 minutes ago, MuteDebt said:

I also thought that medical debt could not be reported in the state of California, is it different when it is a collection agency?

They can't report details of your medical condition.  If you owe a debt to Dr. Jones, they can report this as long as the info they report is accurate.

https://www.hhs.gov/hipaa/for-professionals/faq/267/does-the-privacy-rule-prevent-reporting-to-consumer-credit-agencies/index.html

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53 minutes ago, MuteDebt said:

I also thought that medical debt could not be reported in the state of California, is it different when it is a collection agency?

The credit bureaus agreed not to report medical debt for 6 months after the date of service to allow consumers adequate time to process insurance claims and appeals.  After 6 months the debt can be reported as long as it is HIPAA compliant.

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