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Old 02-20-2009, 02:37 PM
 
Location: Asheville, NC
12,626 posts, read 31,917,279 times
Reputation: 5419

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How much would a $100 dentist bill, that is unpaid, affect your credit score.
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Old 02-20-2009, 04:37 PM
 
5,339 posts, read 14,079,220 times
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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.
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Old 02-23-2009, 09:22 AM
 
Location: Asheville, NC
12,626 posts, read 31,917,279 times
Reputation: 5419
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?
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Old 02-23-2009, 09:27 AM
 
Location: Clayton, NC
502 posts, read 1,650,278 times
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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.
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Old 02-23-2009, 09:37 AM
 
Location: Asheville, NC
12,626 posts, read 31,917,279 times
Reputation: 5419
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!
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Old 02-23-2009, 06:36 PM
 
95 posts, read 244,156 times
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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.
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Old 02-23-2009, 08:18 PM
 
Location: Asheville, NC
12,626 posts, read 31,917,279 times
Reputation: 5419
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!
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