Quote:
Originally Posted by mmaddog
You are correct...it never hurts to ask, but nothing is guaranteed.
Part of the ability to get something removed depends on the creditor and their willingness to be flexible.
mmaddog
*******
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That's no joke.
My fiance started getting past due bills from her health insurer. They claimed that she had to pay office visits that were paid by insurance 2, 3, even 4 years in the past. Twenty dollars here, one hundred there, etc. They told her if she didn't comply within "X" number of days, they would put a bad mark against her credit, which scared her. So she paid these things until she used up all of her savings, and then couldn't pay them anymore. She called and asked them stop charging her for things that had been paid and to fix her credit. They said they would look into it and that flat out, they didn't have to make any requests to the credit reporting agencies, even though they said it was probably their error.
Well, this all was happening when we first started dating so when I found out about it, I called them up and bitched them out and we haven't gotten an old bill since. Her credit is in a shambles though. All of her APR's on her credit cards have gone through the roof and she can't even get small personal loans from our hometown credit union she has been a member of since high school (wanted to transfer a balance for her jet ski).
A banker friend of hers is trying to fight it, but so far no luck. Luckily I have nearly perfect credit, so I was able to buy our home on my own. But damn, don't mess around with this stuff. You have to be aggressive and persistent because big companies like insurers and credit card companies:
A) Don't care about you.
B) Have no motivation for helping you out.
C) Don't care about you.
By the way, through a few connections we were able to talk to the vice president of the health insurer about this (in passing as it was). The guy claims that this is absurd that it would go on and that we should see full reimbursement in the near future (I've had a friend of mine in the business tell me it's as simple as messing up a few digits on a claim). This was at least 6 months ago. I'm not holding my breath.