U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > General Forums > Real Estate > Mortgages
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
 
Old 02-20-2009, 01:37 PM
Status: "Summer, please don't leave!" (set 9 days ago)
 
Location: Asheville, NC
11,475 posts, read 25,708,361 times
Reputation: 4209

Advertisements

How much would a $100 dentist bill, that is unpaid, affect your credit score.
Reply With Quote Quick reply to this message

 
Old 02-20-2009, 02:36 PM
 
1,403 posts, read 3,052,836 times
Reputation: 1308
Has it gone to collections?

How Do Late Medical Bills Affect Credit Scores? - What If a Collection Agency Is Involved? - Personal Finance Advice From Personal Finace Author Ilyce Glink*
Reply With Quote Quick reply to this message
 
Old 02-20-2009, 03:37 PM
 
4,543 posts, read 11,549,619 times
Reputation: 3063
Quote:
Originally Posted by beckycat View Post
How much would a $100 dentist bill, that is unpaid, affect your credit score.
If you have an extensive credit history it won't hurt it at all.

If you have minimal credit history, it will impact your score.
Reply With Quote Quick reply to this message
 
Old 02-23-2009, 08:22 AM
Status: "Summer, please don't leave!" (set 9 days ago)
 
Location: Asheville, NC
11,475 posts, read 25,708,361 times
Reputation: 4209
Quote:
Originally Posted by TimtheGuy View Post
If you have an extensive credit history it won't hurt it at all.

If you have minimal credit history, it will impact your score.
I have an extensive credit history with a credit score over 800. The $100 bill is because they said I missed an appointment. I had left a message on their voice mail cancelling it, but they said they never got it. The reason I don't want to pay it or feel responsible is b/c it's not my fault they didn't get the message. Anyhow, I don't want to ruin my credit. Approximately, how many points do you think it will lower it?
Reply With Quote Quick reply to this message
 
Old 02-23-2009, 08:27 AM
 
Location: Clayton, NC
502 posts, read 1,430,729 times
Reputation: 405
Wow, $100 bucks for a missed appointment?!

With a score over 800 I doubt it will lower your score by much if it's not in collections. You could always try to dispute the charge with the credit reporting agency.
Reply With Quote Quick reply to this message
 
Old 02-23-2009, 08:37 AM
Status: "Summer, please don't leave!" (set 9 days ago)
 
Location: Asheville, NC
11,475 posts, read 25,708,361 times
Reputation: 4209
Quote:
Originally Posted by HomeHuntress View Post
Wow, $100 bucks for a missed appointment?!

With a score over 800 I doubt it will lower your score by much if it's not in collections. You could always try to dispute the charge with the credit reporting agency.
Crazy isn't it! Collections has it now. I never miss any payments and pay everyone back on time. I'm just a little aggitated about this one. I even tried to compromise and told them I'll pay 1/2, but they won't budge!
Reply With Quote Quick reply to this message
 
Old 02-23-2009, 05:36 PM
 
95 posts, read 217,121 times
Reputation: 41
Quote:
Originally Posted by beckycat View Post
Crazy isn't it! Collections has it now. I never miss any payments and pay everyone back on time. I'm just a little aggitated about this one. I even tried to compromise and told them I'll pay 1/2, but they won't budge!
It is, but that's the way it goes. I've worked in the medical service industry. The way it usually works is if you've missed one appt. you're given a one time break, but the next time you have to pay what the normal charge would have been for the service that you would have received if you had been there. Have you not shown up for your appt. before?

You must remember, the hygienist and dentist must be paid for their time and they're expensive. Just be glad it wasn't a root canal.

It's been done to me before, if it's any consolation.

I had one on my credit report and it didn't really effect it that badly, only 5 points if I remember correctly. So if you're over 800, you're still in good shape. It'll go away in three years.
Reply With Quote Quick reply to this message
 
Old 02-23-2009, 07:18 PM
Status: "Summer, please don't leave!" (set 9 days ago)
 
Location: Asheville, NC
11,475 posts, read 25,708,361 times
Reputation: 4209
Quote:
Originally Posted by SSWM View Post
It is, but that's the way it goes. I've worked in the medical service industry. The way it usually works is if you've missed one appt. you're given a one time break, but the next time you have to pay what the normal charge would have been for the service that you would have received if you had been there. Have you not shown up for your appt. before?

You must remember, the hygienist and dentist must be paid for their time and they're expensive. Just be glad it wasn't a root canal.

It's been done to me before, if it's any consolation.

I had one on my credit report and it didn't really effect it that badly, only 5 points if I remember correctly. So if you're over 800, you're still in good shape. It'll go away in three years.
I've NEVER missed an appointment! I thought it takes 7 years to go away. Are you sure it's only 3 years? Only 5 points, that's nothing. I'm not going to worry about it then. Thanks for the helpful info!
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > General Forums > Real Estate > Mortgages
Similar Threads
Follow City-Data.com founder on our Forum or

All times are GMT -6.

2005-2018, Advameg, Inc.

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top