Unfortunately, insurance is a contract between you and the insurance company. Doctors don’t have to accept any particular insurance plan. Pay the bill, then get the insurance company to pay you. Just because the insurance company didn’t pay (as it sounds like they should have) doesn’t mean this can be removed from your credit report.

The credit agencies can’t do anything about it, unless it was they that made the error.

Otherwise, they can only report what was reported to them. To clear anything up that reflects badly on your report, you have to go to the original creditor. In your case, the docror, or the hospital.

They will have to tell you what needs to be done, if anything CAN be done. I have to tell you this: If the account went to a collections agencies, it may be too late to do anything about it. Here’s the problem. Nothing goes to collections until attempts have been made to collect from you. Even the collection agency must have tried to collect, because that is the only way they get paid.

If you ignored these bills, during the time the account went through all this process, then the fault (and the debt) was still yours. All those bills that you were getting should have been the warning you needed to know the insurance company was not paying. You can blame whoever you want, but the financial responsibility was still yours.

I’ll bet you even signed something at the doctor’s office or hospital that makes you ultimately responsible for any medical bills the insurance did not cover. That form is pretty standard. You may have to get the insurance company involved in clearing up your credit record.

Good luck on getting this fixed.

You would have to try to dispute it through the credit reporting agencies. One thing you can do is add a statement to your credit report explaining what the circumstances are regarding the collection accounts. I believe you have to do this with each bureau individually. That way, lenders will have the full story when making a credit decision.