5
Appreciation post: My credit score finally moved after a year of fighting a dumb algorithm error
A collections notice for a $47 medical bill from a clinic in Dayton got stuck on my report. The debt was paid, but their system kept reporting it as open. Took 12 months of calls, letters, and filing a dispute online to get it cleared. The relief when it finally updated was huge. Anyone else had to battle a credit reporting glitch that just wouldn't let go?
3 comments
Log in to join the discussion
Log In3 Comments
seth_singh2011d ago
A $47 bill in Dayton, that's the kind of small mistake that can haunt you forever. I used to think if you just paid your bills on time, your credit would be fine. This kind of story shows how wrong that is. How is a normal person supposed to have the time or know-how to fight a computer error for a whole year? It makes you wonder how many people just give up.
2
betty_wells10d agoTop Commenter
My buddy had a medical bill go to collections for $38 because his insurance and the hospital were pointing fingers. He only found out when his loan rate went up. Spent months on the phone getting transferred in circles before someone finally admitted it was their fault. He said the worst part was knowing his credit got dinged over something that was never his mess to clean up. Makes you feel totally powerless against a system that just doesn't listen.
3
angela_harris10d ago
Honestly, how are you even supposed to catch this stuff before it wrecks your score? Tbh, I got a certified letter the second I saw a weird medical charge on my credit report. I called the hospital billing and my insurance every single day, asking for a supervisor, until they sent a formal correction to the credit bureaus. You have to make them send you that proof in writing, not just a phone call. It's exhausting but it's the only thing that finally fixed it.
1