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Cleaning Up My Credit

March 23rd, 2015 at 08:06 am

I've been working on my credit cards recently, but when I last checked my credit report using CreditKarma, I noticed something else dinging my score...old medical bills.

For several years now, I've been dealing with LabCorp regarding a $538 medical debt. My EOB from that visit stated my owed amount as 32.32. A few weeks after receiving the first bill, I sent in the EOB and requested an updated bill. They continued sending a full bill, and with everything else going on, it just dropped off my radar. After seeing it in collections on one of my reports, I finally decided to deal with it. I called the Collections agency and explained that I had never paid it since I'd never received an updated bill. She requested I send in the EOB again and call the next day to verify it. I forgot the next day, but just called and was told my owed amount is now 32.32. There is a $5 processing fee to do it over the phone, so I will send in a check instead. I also requested that they remove it from my credit report once the account has been settled.

My other credit report has a $90 collection on it, but that was fairly recent and just a dumb oversight on my part.

Hopefully, paying these will help bump my score up.

Also, SO is shaping up to have a pretty great month at work, so hopefully I'll be able to use some of that to still make a sizable payment to my CC. (Just fyi, this is money we spent on getting the apartment ready/pets/groceries before SO's paychecks were more consistent. I track it in our budget to be paid back as we get extra funds.)

1 Responses to “Cleaning Up My Credit”

  1. creditcardfree Says:

    Good for you on cleaning up some of that old stuff.

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