WhenI was younger (6+ years ago) and working as a waitress without any medicalinsurance I thought I was getting a kidney infection. (i had a very bad one theprevious year while still on my dadís insurance) I called urgent care and theER and asked how much it would be to come in (I made sure to fully explain thatI had no insurance). I was told I had to go to the ER to be treated and itwould be about $150.00 - $250.00. I was able to afford this so I went. They rana bunch of test each time a asked how much it was. in the end they found Ididn't have a kidney infection. They had already shot me with antibiotics andother medication I did not need and brought me a bill for almost $4000.00!!!80% of this bill was not for test or medication. Most of the bill was just forthe time a sat in the bed. Had they told me thatís what it would cost I neverwould have gone. I did not pay the bill because i did not have the means to doso. I am now trying to repair my credit. It will be almost 2 years before it isoff my credit. I donít want to wait that long. I am wondering If I should senda debt validation letter or if medical debt can usually be deleted with a payfor delete letter at a very low amount? just started looking at my credit and Iam still very confused by the whole process. any advise would be greatlyappreciated.
Try to get your old addresses deleted ( send a brief note with proof of your ID and current address to each CRA stating that xxxx address is invalid and request deletion)
Once that is done, working from REAL credit reports,( To order, visit annualcreditreport.com,or call 1-877-322-8228) send each CRA this: