Medical emergencies occur as we go through life. Often, health issues are unexpected and can end up costing thousands of dollars in medical bills. With the lapse in time from when you are billed by a medical provider to the time your health insurance company pays, very quickly accounts can be turned over to third party debt collectors, and frequently, become listings on your credit report.<\/p>\n
Even when the medical bills are paid, the time spent in collection status may negatively impact credit reports and lower credit scores.\u00a0 The result could make it more difficult to get approved for a loan, purchase a car, rent an apartment, or even get a job.<\/p>\n
Your credit score is a three-digit number that’s used by lenders to predict the likelihood that you’ll pay your credit obligations on time.\u00a0 Scores range from 300 – 850 and are calculated based on credit history information listed on credit reports. Make sure that information listed on your credit report is accurate.\u00a0 Incorrect listings may contribute to lower credit scores.\u00a0 Take these steps to make sure your credit score is an accurate reflection of your credit history.<\/p>\n
Obtain Current Credit Reports<\/strong> Review your Credit Reports for Accuracy<\/strong> Dispute Errors on your Credit Reports<\/strong> Collection contact over Medical Debt<\/strong> Flitter Milz is a nationally recognizedconsumer protection law firm that represents victims with problems involving credit reporting errors and abusive collection practices.\u00a0 Whether you owe the debt or not, our firm will evaluate whether your consumer rights have been violated.\u00a0 Contact us<\/a><\/strong> today for a free legal review.<\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n","protected":false},"excerpt":{"rendered":" Medical emergencies occur as we go through life. Often, health issues are unexpected and can end up costing thousands of dollars in medical bills. With the lapse in time from when you are billed by a medical provider to the time your health insurance company pays, very quickly accounts can be turned over to third … <\/p>\n
\nEvery twelve months you are entitled to obtain new credit reports for free from each Transunion, Experian and Equifax. There may be a fee from the credit bureaus if you need to request reports more often.<\/p>\n
\nThe bureaus list not only personal information, such as your name, birth date, social security number, addresses and employment history, but also list account payment information, liens, judgments and bankruptcies.\u00a0 Learn to read your credit report<\/a> .\u00a0 If there are errors that could bring your credit score down, take steps to get them corrected.<\/p>\n
\nIf there are errors on your reports, send written disputes to the credit bureaus.\u00a0 Your dispute letter should be concise and provide documents illustrating why the listing is incorrect.\u00a0 Send your dispute to the bureau by Certified Mail, Return Receipt, so that you have proof your dispute was received. Be sure to keep copies of your complete dispute. The credit bureau has 30 days to respond to your dispute.<\/p>\n
\nOnce a medical provider assigns the collection of a medical debt to a collection agency or law firm collector, the consumer has rights against a collector’s abusive collection practices. Whether you have been unable to pay or dispute the amount, the collector must follow the law called the Fair Debt Collection Practices Act<\/a>.<\/p>\nSeek Legal Help<\/h3>\n