懇求幫助！虛心求建議！

事情是這樣的。 誠心的求建議！

今年一月我約了醫生。（因為我在另外一個州工作。家人還在這個州， 我是趁 寒假來看家人，想順道見一下我的家庭醫生。）但由於種種原因，後來沒有去見他。

大概三月份，接到這個診所的電話，說我欠了他們 25 刀, which is no show up fee. I explained to the lady who called me and she said that she can take care of it and wave it. Then I didn’t hear from them anymore.  

幾天前， 接到 collection agency’s phone call regarding this $25.

I am very shocked. I called the clinic and wrote them an email regarding this $25. I am requesting them to send collection agency a note to delete this collection action. I didn’t hear from them yet.

I am so worried now since I am very careful about my credit score. This $25 would affect my credit score very much! Credit Score also will affect my mortgage rate and mortgage insurance. I just bought a condo two years ago with 5% down. (Therefore I am paying mortgage insurance.) I am hoping that I will get this mortgage insurance deleted after my principle reach 20%. But bad credit score would make it impossible!

我該怎麽辦呢？ 懇請專家的建議。 不勝感激。

 

 

 

所有跟帖： 

• 不能settle的話， 就付25刀給collection agency， it won't affect ur credit。 -xpk2011- ♀ (0 bytes) () 07/22/2012 postreply 14:44:05

• 謝謝！我是想付了這25 刀。可即使我付了， 也會影響我的信用記錄。 不是嗎？ -buxiang- ♀ (0 bytes) () 07/22/2012 postreply 15:32:49

• 不會， 你可以給collector agency打個電話confirm一下。 -xpk2011- ♀ (0 bytes) () 07/22/2012 postreply 16:02:56

• Thanks a lot! -buxiang- ♀ (0 bytes) () 07/22/2012 postreply 17:16:38