Wednesday, October 21, 2009

How do I find out who reported on my credit report?

There are unpaid medical bills on my credit report. I am willing to pay but the only information is an amount, and it also says "Medical Payment Data." I want to pay this debt but I don't know how to find out who to pay.

How do I find out who reported on my credit report?
If you have an "official" credit report, then the contact information for the lender should be on the report. If you have any questions, then the credit reporting agency should be able to tell you the contact information.





Note* if the item is being collected by a collections agency, then DO NOT PAY THEM. You'll pay out more in the long run. Contact them (from the info on the report), find out who the original bill was from, and then tell them to cease and desist verbally, then send them a letter (sample cease and desist letters: www.budhibbs.com). Then contact the original account holder and pay them (THEY WILL TAKE YOUR MONEY!)





Good Luck!





p.s. If you didn't get an "official" credit report, you can get one per calendar year from www.annualcreditreport.com from each of the three main credit bureaus. I would suggest spacing them out by obtaining one report from one agency, then another from a different agency four months later. That way you can have an idea of what your credit looks like all year round.
Reply:if u get a copy mailed to u.. there should be numbers of the company's'
Reply:Here is the contact info for the different credit bureaus http://www.how-is-your-credit.info/WhomT...
Reply:What hosp or Drs office did you ever visit? Start there. Ask for the billing dept.

lily

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