Sorry for your troubles.Anyway, I do have Wellmark insurance but have these lingering copay insurance bills that keep coming in. I have gotten behind on those and pay what I can. A couple have just recently been sent to collection. I can't afford to pay all of the copay (which totals over 2,500 or so) Anyway, my question is, if I pay before the 30 days are up (from the collection company) will that not affect my credit score negatively? I also filled out financial aid paperwork to assist me with some of these bills but have not heard back yet.The collection part so far is about 200.00 which I would pay on Friday.I hope this would prevent any damage to my credit score?Generally, by the time that accounts are sent to collections, they are already reporting negatively on your credit report, as they are considered at least 30 days past due - meaning that you did not pay the entire amount requested 30 days prior, nor did you call to set up a payment plan that would be acceptable to your creditor.Because of all the issues that people have with insurance companies paying late, there are some exceptions in credit scoring models that can decrease the impact of medical account delinquencies, but that's not necessarily true for all of the credit scoring models.My suggestion would be to call the medical creditor(s) and set up payment plans with them, and request that since you have set up plans, that they remove any negative marks on your credit reports. Get these agreements in writing. Next time, if you can't make a payment when requested, call before you actually miss the payment to make payment arrangements.AJ
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