The Motley Fool Discussion Boards
Personal Finances / Credit Cards and Consumer Debt
|Subject: I have a collection!!!||Date: 10/3/2003 9:11 PM|
|Author: joelcorley||Number: 171042 of 310601|
Wednesday night I pulled my Transunion report (I'm thinking about refinancing again). To my utter shock and amazement, my report includes a big black mark in the form of a collection for $83. I'm a little surprised to find that I still have a TU score of 734, so I'm still fairly creditworthy. However, collection records just burn my b...s.
Anyway, I called TU and got the contact info for the collection agency. (CR SYST INTR aka Credit Systems Integrated -- some small-time agency in Ft. Worth, TX.) This was the initial call, so I began what I hope was my most positive, yet assertive voice...
Let me tell you, these people really try my patience. Do they really think I'm going to give them information to contact me at my employer? Man. What really burns my shorts is that the debt isn't even mine! This isn't the first time this has happened; but at least I know where this one is coming from. More on that in a moment.
First you need some history. My XSO and I are only separated, not divorced. We've been separated for 3.5 years. I still provide her insurance because, well, her employer(s) suck. And besides, she changes jobs every couple of years and it doesn't cost me anything more to cover her, since I have to cover the kids anyway. So back to the present... Or actually October of last year.
Apparently on 10/09/02, my XSO went to some doctor. What doctor only charges $83 anyway? Well, apparently the doctor's office didn't get any updated information and they apparently tried to collect on who knows what insurance. Certainly there are no records of a claim for that date on my carrier's website. Anyway, the old information also included the P.O. Box she got when she moved out 3.5 years ago and hasn't had for 2+ years now.
I'm sure you can see where this is going...
So no one -- not even the insurance -- has ever seen a bill from this provider ever. What's more, I didn't know about the visit and I certainly didn't sign any kind of a contract with them. Also, the patient wasn't a minor in my custody. Even so, they decided in their infinite wisdom to try to collect from me because the insurance companies use my SSN to identify her claims too. At least that's what I