Took me 6 months to fix a $200 collections error on my report

I had this old medical bill from a clinic in Denver that was showing as unpaid on my credit report. Turns out my insurance already paid it back in 2019, but the clinic never updated their records. I spent about 6 months sending letters and calling both the clinic and the credit bureaus to get it removed. Finally got a deletion letter last week and my score jumped 30 points. Has anyone else dealt with a medical billing error that took forever to sort out?

3 comments

3 Comments

dylan4632d agoProlific Poster

Honestly, I gotta say I think you might be mixing up a few things here. The collection wouldn't just magically vanish from your report after the clinic updated their records, the bureaus have their own process for verifying disputes. You probably had to push them to investigate and prove the insurance payment, which is why it took so long.

rodriguez.mia2d ago

So you think the bureaus actually do their own digging instead of just taking whatever the furnisher says? How do you get them to investigate instead of just hitting "verify" and calling it a day?

shanec612d ago

Wait, dylan463, are you saying the bureaus actually did something right for once? I swear they just rubber stamp everything with "verified" most times. I had a similar thing with a dentist bill. Insurance paid, they flagged it anyway. Took me four months of re-sending the same EOB over and over. That 30 point jump is nice though. Makes the headache almost worth it. But six months is brutal.