October 2009 Weddings
Dear Community,
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
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Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
There goes my credit score
I have tried so hard to have good credit. I pay my bills on time, I keep a low debt to credit ratio. I don't open a ton of accounts. And then there is my mom, who has not paid medical bills.....and I am on her account. After I was 18, everything she didn't pay for went negatively on my account. So a bill that was in 2004 under her insurance is still in collections (I find out today). I think I have vented about this before but I am just mad it is still going on when I thought I paid it all and went on my own insurance.UGH!
Re: There goes my credit score
Wait... who's our banker/finance Nestie?
If she removes your name from the account, will it still affect your score? And does it matter that you were a dependant at the time?
I'm no expert, but I've always heard that medical bills don't count against your credit score. I don't even see how someone else's could count against you, especially if you were a minor at the time.
This sounds very fishy to me.
My Wedding Bio! Not updated in a LONG time!
after 7 years it wont show on your credit score it will still be there on your report but shouldn't effect your score. this is what a mortage lender told me he's pretty smart about credit but, I don't really know if this is a true fact.
Have you looked at your credit report latley?
Hello! Banker/Finance/Real Estate nestie here!
Medical Bills do affect your credit score. In fact, doctors/hospitals are among the fastest to submit your non-payment to the reporting agencies. But, because that is a well-known occurence, most financing companies look less negatively upon collections or outstanding balances that have come from medical sources. It won't make your score any better, but at least you can explain the situation pretty easily to your potential lender.
What raises eyebrows to me as that your mom had you on some type of account against your will. Were you 18 when she added your name? Was it a credit card or loan or something that she was using to pay her medical bills? If you were 18 and wanted to be added so you could have access to the credit as well, there's really no way to remove your name now just because your mom abused the priviledge and never paid.
I was on her insurance...I had no job so therefore no insurance. I went to the doctor when I was sick and she got the bill (which must have been in my name) and it never got to me and it was never paid. I am assuming when I turned 18 I was not considered a minor anymore so even though it was her insurance, I was responsible.
I check my credit report monthly...this is how I was notified. This collections account was opened in 2005 and it said "closed" on my account. Then this month it was "re-posted" so that is how I found out. When I called the collections agency and said my report said it was closed they said that it means nothing.
Because I am no longer on her insurance, I cannot get any information. I thought I paid it in 2005. But they cannot give me any information anymore as to if I did because my name is not on her insurance.
did you know every time you look at your credit report it cost points and will lower your score. unless you are using a monitoring service, I don't think that would lower your score.
I would ask to talk to a manager next time you call, dont hang up till you get your info to what is going on. that is bs they are giving you the run around. if they can put that on your credit then they should be able to give you your information. imo
here is how to dispute things on your credit report, that might be possibility.
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.shtm
I use free credit report...it doesn't do anything to the score.
The agency said they have given me all of the info they have...it's the insurance company that won't talk to me because I am no longer on the policy which I think is crap!!
The thing is I can dispute it all I want but if I don't have proof from the insurance company that I paid it then it doesn't matter (I think I paid it...there were like 3 bills from when I was on my mom's that I ended up taking care of myself)
I'll have to look into their policy of if I am responsible because I was 18
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