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Answers (9)
- wetdawgs
- Contributions:26854
I would contact the insurance company for more information why the bills are not coming to you, the one who holds the policy. If it is your policy, your ex can't legally change the address.
In addition, if she is providing such an unstable environment for your child, I'd challenge her custody in court.
- Clay Branch, "Georgia Loans"
- Contributions:7839
.I'm already screwed for the interest rate and my credit score...can't re-write the past.
I believe you can. You should speak with the person that is reporting these visits/non payments to the credit bureaus. If they are mailing the bill to anyone other than you, they should allow you to pay any past due bills PLUS give you a letter referencing each collection/balance amount stating they were all reported in error. You could have this corrected in 1 week on a rapid rescore. The cost to do it is about $30-$35 per bureau/per acct. Many times that type of collection is only reported to 1 bureau so if you have 5 collections x 1 bureau, that would cost about $150, if reported to all 3 bureaus, then aprx $450.
I believe you can. You should speak with the person that is reporting these visits/non payments to the credit bureaus. If they are mailing the bill to anyone other than you, they should allow you to pay any past due bills PLUS give you a letter referencing each collection/balance amount stating they were all reported in error. You could have this corrected in 1 week on a rapid rescore. The cost to do it is about $30-$35 per bureau/per acct. Many times that type of collection is only reported to 1 bureau so if you have 5 collections x 1 bureau, that would cost about $150, if reported to all 3 bureaus, then aprx $450.
- Shannon Thomas, "sthomasrealestate"
- Contributions:218
I'm in agreement with most on here. Have the card issued to be billed at your address or with hold from x and tell x to have doctors call you. You will then take care of the details of the insurance and it will be ready for her at check in.
- ConnieK_Oklahoma
- Contributions:2899
few things to consider.-writing on the card is great idea, but will wear off. not having a card with them will not prevent emergency treatment. don't provide the new card, make them call you. keep with following up on the EOB statements. it's an unwinnable war-best to not engage in battle. getting upset about it makes it fun for her (or so it seems by your description)
- Sean Ogilvie, "California Mortgage"
- Contributions:173
Sorry I missed that it was a purchase in your post. Hopefully your ex is not an authorized user on any of your old accounts. Same goes for you on any of her accounts. You don't want those credit demons to haunt you anymore. Good Luck!
- PukonYukon
- Contributions:173
i hadn't thought of writing on the card. I don't want to not give the card and it be an issue in an emergency. I tried doing a change of address for my name at her address to get mail forwarded to me..but she moves every few months when rent isn't paid and landlord kicks her out..so that was wasted effort. she goes to diff. doctor all the time, takes him to the dr if the wind blows- and if you know anything about OK weather...it's blowing all the time. I've already paid off all the ones that we know about. My second wife has taken on the task of calling dr when EOB comes in to notify them of billing address but of course they give her a hard time due to privacy stuff...she has gotten good at just telling them to listen while she provides the billing address...it's just extremely irritating. just a few more years of this nonsense....I'm already screwed for the interest rate and my credit score...can't re-write the past.
THANKS FOR THE TIPS.
THANKS FOR THE TIPS.
- Sean Ogilvie, "California Mortgage"
- Contributions:173
Pukon Yukon, Sorry to hear about that happening. Are you trying to buy or refinance right now? Paying off those small collections may actually have an adverse effect on your credit in the short run further dragging down your scores. Those derogatory items on your credit report will report as new once paid. In some cases the lender may not require you to pay those small collections in order to close although your lower score will negatively impact the pricing of your loan. If you are looking to buy can you wait to have this credit history cleared up and improve your scores?
- Dan, "the_country_hick"
- Contributions:4700
If she always uses the same doctors have them use your billing information for your insurance policy.
If she does not as she has abused the privilege simply keep your insurance card and have the doctors call you when it is needed. Talking to the doctors office manager could get the whole thing taken care of easily. Putting on the card "bill this address" could do it. Telling the office manager to bill your address will take care of the problem.
If she does not as she has abused the privilege simply keep your insurance card and have the doctors call you when it is needed. Talking to the doctors office manager could get the whole thing taken care of easily. Putting on the card "bill this address" could do it. Telling the office manager to bill your address will take care of the problem.
- Debra (Debbie) Rose, "Livingston NJ"
- Contributions:2736
Can you simply alert the md's office than any balances due should be billed to YOU?
Since it is your policy, I assume your son is down as your dependent, and your ex is not on the policy anymore due to the divorce. I see no reason why all bills aren't simply sent to you, since you are the responsbile party.
Solving this problem may be as simple as contacting any doctors your son uses.
Or.....if your ex has her own policy, can she add your son to it, and then you'd just pay her the difference in the premiums? At least that way, any billing problems she creates will affect her credit, not yours.
Good luck!
Since it is your policy, I assume your son is down as your dependent, and your ex is not on the policy anymore due to the divorce. I see no reason why all bills aren't simply sent to you, since you are the responsbile party.
Solving this problem may be as simple as contacting any doctors your son uses.
Or.....if your ex has her own policy, can she add your son to it, and then you'd just pay her the difference in the premiums? At least that way, any billing problems she creates will affect her credit, not yours.
Good luck!
crazy xwife hides dr bills of son, doesnt pay. bill goes to her address but my credit...
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