What is the name of your state?What is the name of your state? Kentucky
I always pay all of my bills on time. I am a full time college students (senior) and a single mother. I recently checked my credit report because there was a threat of identify theft. There is only one negative mark by a collection agency. I never once received a bill from them or phone call. I called to see what this was about. It was when I went to a ER in 2002. I am on Medicaid (college student and single mother) and had Medicaid at that time. They gave me the number of the original creditor, the ER doctor's office. I called them and they did not have a record of my Medicaid number. They said the ER doctor and the hospital bill differently, so I should see if I owe the hospital money. I called the hospital and they had the number and Medicaid had paid them. Obviously I showed my card and did what I was supposed to do. I explained to the ER doctor's office and collection agency this and they had my ex-mother-in-law's address (I used to live there). I am on VERY good terms with my ex-mother-in-law, and she told me she NEVER received any bills or calls. The collection agency told me that if I paid the bill (only $100) they would take the mark OFF (not paid--OFF) my credit report. I paid it. Now they do not want to take it off. I will graduate in less than a year and my credit is VERY important to me. What options do I have? This is not my fault. I did what I was supposed to do at the hospital. When I moved, I did not think I needed to inform the hospital or ER doctor of my new address since Medicaid should have paid the bill. I have letters from Medicaid and the hospital. The doctor's office is also sending me a letter-they are trying to help me. The collection agency just won't. This is the ONLY bad thing on my credit report. I don't care about the $100; I just want my credit fixed. Thank you for any advice or suggestions!!!
I always pay all of my bills on time. I am a full time college students (senior) and a single mother. I recently checked my credit report because there was a threat of identify theft. There is only one negative mark by a collection agency. I never once received a bill from them or phone call. I called to see what this was about. It was when I went to a ER in 2002. I am on Medicaid (college student and single mother) and had Medicaid at that time. They gave me the number of the original creditor, the ER doctor's office. I called them and they did not have a record of my Medicaid number. They said the ER doctor and the hospital bill differently, so I should see if I owe the hospital money. I called the hospital and they had the number and Medicaid had paid them. Obviously I showed my card and did what I was supposed to do. I explained to the ER doctor's office and collection agency this and they had my ex-mother-in-law's address (I used to live there). I am on VERY good terms with my ex-mother-in-law, and she told me she NEVER received any bills or calls. The collection agency told me that if I paid the bill (only $100) they would take the mark OFF (not paid--OFF) my credit report. I paid it. Now they do not want to take it off. I will graduate in less than a year and my credit is VERY important to me. What options do I have? This is not my fault. I did what I was supposed to do at the hospital. When I moved, I did not think I needed to inform the hospital or ER doctor of my new address since Medicaid should have paid the bill. I have letters from Medicaid and the hospital. The doctor's office is also sending me a letter-they are trying to help me. The collection agency just won't. This is the ONLY bad thing on my credit report. I don't care about the $100; I just want my credit fixed. Thank you for any advice or suggestions!!!