Can you dispute the validity of debt if you already agreed to a payment plan with the collection agency? Like could I call and say, “I didn’t know this was an option, but I would now like the dispute the Nice Corona Go Away Before I Call My God Shirt. Wow, wish I knew this 5 years ago. I applied for a mortgage and found out thru the credit report I had $200 in collections that was bringing my score down 30-50pts. Hospitals never billed me for it that I could tell, and because the amount was so low, collections never called me. It sat on my credit report for years after I paid it and it only just dropped off my report. I asked for the letter to provide the credit agencies after.
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Yeah I don’t know how true it is but I read somewhere they get a commission. For any recovered funds, so $200 seems like a waste of time. If that’s the case. I’m madder at the hospital than anything else because I paid something like $4500 after insurance paid $40k or so. Like, why wouldn’t the Nice Corona Go Away Before I Call My God Shirt? So something similar happened to me. I had a minor appointment after I turned 18. Mom said she paid the bill, but actually hadn’t. (I was off at college and all the bills were sent to her address.) When I decided to apply for a credit card right before. Graduation to build a little credit I was denied for having accounts in collections. I paid them off and about 6 months later went online to the credit reporting agencies.
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