Paying OC

[bubbles123]

I have a couple of Medical Bills with Berlin Stealer. What would happen if I paid the hospital and then disputed? Would they have to delete since the item was paid to the OC??? I tried to search but couldn't find anything similar posted but I'm not the best with computers either.

[Lian]

No.

If you pay the OC, that requires the debt collector to do two things:

they must cease further collection activity. and update their reporting to show a $0 balance. The debt collector could delete their CA on their own initiative, but is not compelled to do so. Their prior reporting is not rendered inaccurate based on ultimate payment of the debt, regardless of whether it is paid to them or to the OC.

I see no inaccurate credit reporting upon which to base a dispute.

[freems4]

If you have medical collections and a little bit of time you may want to try the HIPAA process. It can take several months but it does work.

This method will only work if the acct has been paid or you intend to pay.

[freems4]

Now if you wanted to you could write your OC and tell them that you want to pay them in full and that letter requesting that if you pay them in full would they agrees to the terms as having them to resend their request from the CA. I found a copy of a letter that explain it. But right now I can't find it; but As soon as I do I'll send it to you.

[Lian]

Sure, the OC can "rescind" their collection authority to the debt collector, but paying the OC does that as a matter of course. Once the debt is paid, the OC will so notify the debt collector, and the debt collector will update their collection to report $0, and close the collection.

Rescinding further collection authority in no way requires the debt collector to delete prior, accurate reporting. The OC has no authority to direct a debt collector to delete their accurate credit reporting.

Additionally, the credit reporting manual and credit reporting agreements entered into by anyone reporting to a CRA explicitly states, in several places, the unequivocal provision that prior, accurate credit reporting should never be deleted based on subsequent payment of the debt. So any PFD or GW deletion is technically a violation of those reporting guidelines. Sure, it is done all the time, but is not a credit reporting action sanctioned by the CRAs. Asking an OC to request another party to violate their credit reporting agreement is a bit iffy.

You would have no sound basis for disputing the lack of deletion of accurately reported information by anyone.