Hello Mr. Miller,
A number of years ago I was seen in the emergency department (which happens to also be where I worked) as a patient for an on the job incident. The remaining balance of $202 was supposed to be covered through workers compensation. However, for reasons that I am unaware of the balance never got paid. It ended up being sent to collections, and still never got paid off. It is not because I couldn't afford to pay it, but because I kept being told that it would be paid off.
This is what appears on my credit report:
Account Type: Collection
Terms: 1 Month
Date Opened: 11/01/2010
Account Status: Closed
Payment Status: Late
Payment Status Details: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status Updated: 12/01/2010
Past Due Amount: $202.00
Original Amount: $202.00
Is there any advice that you have about how I should proceed? Should I dispute it? If I dispute it, is there any possible way of it being removed from my credit report? Is there any possible way to have it removed from my credit report without disputing it?
Should I try to have my employer pay for it under workers compensation like it should have been all of these years later?
Should I pay it myself?
Is there any reason to pay it off at this point? Will that benefit my credit score?
Do you have an estimate as to how much this will negatively effect being approved for a mortgage in the upcoming year?
Thank you for your time.
Thank you very much for your question. Your employer at the time is totally responsible for this. Yes you should dispute this debt and give the reason why. It is important that you dispute the debt to all three credit reporting agencies. Here is the information you will need to dispute it on line:
You need to get in touch with the Human Resources Department at your previous employer and tell them what is going on. Tell them how important it is that this information be REMOVED ASAP. Ask them how much time they will need to resolve this and then follow up. Do not stop following up until you have a letter in your hand stating that this item was place in error and is being removed.
This should be a simple process but you never know. Stay on them until this is resolved to your satisfaction. Remember, they made the mistakes, not you!.
I wish you the best with this situation and if you need further assistance just ask a followup question.