$25 Medical Paid Under 30 Days

This medical bill was placed on my credit report yesterday.... (a sunday, myfico never sleeps); I paid the bill first thing this morning, but collection agency is refusing to delete from credit report. I call the client (original debtor) to ask them to please call CA and remove from my report.... they only keep talking about how it's paid under 30 days and should not report... BUT it already REPORTED!!! They won't remove it... do I just bug them and GW every week until they do?? I'm so upset over this... I know that Fico8 under $100 won't affect my scores. However, when I go to refinance my house the mortgage score will suffer... Fico4. I will write them everyDAY if I have to (it's 25$ for goodness sakes!!!). I'm so upset about this...

kuku4koco wrote:
This medical bill was placed on my credit report yesterday.... (a sunday, myfico never sleeps); I paid the bill first thing this morning, but collection agency is refusing to delete from credit report. I call the client (original debtor) to ask them to please call CA and remove from my report.... they only keep talking about how it's paid under 30 days and should not report... BUT it already REPORTED!!! They won't remove it... do I just bug them and GW every week until they do?? I'm so upset over this... I know that Fico8 under $100 won't affect my scores. However, when I go to refinance my house the mortgage score will suffer... Fico4. I will write them everyDAY if I have to (it's 25$ for goodness sakes!!!). I'm so upset about this... I don't know how much your mortgage score will suffer (fico4) however I'm sure your mortgage lender will scrutinize your CR and will ask you about this hiccup. The same happened to me... had a car loan payment I could only pay the interest on... I called the bank but it was still reported as 30 days. 5 years later I applied for a mortgage and was asked about this late, it was the only baddie on my CR. My mortgage lender understood and I still had a decent APR. However like you I'd do just about anything to get the OC to delete this. They should be more sympathic especially if you tell them you're trying for approval on a mortgage. Best of luck to you!

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