09-01-2018, 11:12 AM
There was a settlement with the 3 big credit agencies that changed the way that medical collections appear on credit reports. They have to wait 180 days now and also when they are paid the report comes off rather than messing up credit for a long time.
http://time.com/money/4943931/new-rule-m...t-reports/
By the way, for anybody who hasn't yet frozen their credit, it's going to be a free process starting Sept. 21. Please freeze! It only takes a few minutes to thaw and refreeze if/when you want new credit: https://clark.com/personal-finance-credi...haw-guide/
But, if you freeze you HAVE to keep track of the pin or it's apparently a mess to get a replacement.
http://time.com/money/4943931/new-rule-m...t-reports/
By the way, for anybody who hasn't yet frozen their credit, it's going to be a free process starting Sept. 21. Please freeze! It only takes a few minutes to thaw and refreeze if/when you want new credit: https://clark.com/personal-finance-credi...haw-guide/
But, if you freeze you HAVE to keep track of the pin or it's apparently a mess to get a replacement.