Can I get this removed from my credit report?

I have a statement on my credit report for a bill that was paid but paid late in 2003. The bill was paid late BY MY INSURANCE COMPANY after I made my copay. Can I get this removed from my credit report? How? Is their a specific explanation I can provide?|||You should request a debt validation. The collections company is required to provide specific details of how they came to the conclusion of how much you owe.





While you are waiting for a debt validation you should contact your insurance company and tell them what is going on and tell them you need proof they paid so you can turn it over to the collections agent. This will likely need to be more than an explination of benefits, it will probably need to be a canceled check, which shouldn%26#039;t be too much of a problem.|||You that this is a closed tradeline correct? Not a collection.





This can not be removed from the report, however,maintain evidence as to what transpired. If it is questioned by lenders, you have the proof|||You can ask to have an explanation put into your credit file, but you won%26#039;t have it removed. What many folks do not understand it that THEY are the responsible creditor involved in paying medical charges. If the insurer pays late, it goes on YOUR credit report, not the insurer%26#039;s, since you are responsible for the bill.|||sorry it will be next to impossible to get it removed|||Explanations fall on deaf ears and can only hurt you, but there is something you can do. Chances are your medical provider had an agreement with you in which it agreed to bill your insurance and wait for payment. Did the provider advise you that it was waiting for a tardy payment and give you a chance to remedy the problem or did it just hit your credit record? If it just hit your credit record, I suggest disputing the item directly with the credit reporting bureaus as misleading as is your right under the Fair Credit Reporting Act. The item is misleading because it does not provide all the information and makes it appear that you do not pay your bills on time. However, DO NOT ATTEMPT TO EXPLAIN THE SITUATION, just send in the dispute stating that the item is misleading and requesting that it be investigated by the credit bureau.





Also, contact the medical provider directly and remind them that they did not give you a chance to make the payment yourself. Ask them to voluntarily change the item with the credit bureaus. Adam Fullman|||probably i think so call and see