I basically looked at my credit report...? The hospital claimed that I owed them money but never really sent

The hospital claimed that I owed them money but never really sent me a bill. They were also told the truth, don't bill me because my mom is responsible for my bills. I see that they own put a mark on my credit. I want to dispute this. I wrote the FTC and file a complaint against them. Is it possible to get this taken past its sell-by date my credit? How do I find out my credit SCORE for free? This is driving me crazy? Does the majority of the public have a foolproof score or what is the usual score? I don't simply want a free report, I want the score.

You don't speak how old you are. If you are not a minor, and you signed for the treatment and your mom didn't sign that she'd reimburse the bill, then it's YOUR responsibility.

You can capture a free credit report for free, but have to wage to get your rack up.

Few people if any own a perfect ranking. High 600's, which is far from a perfect win, is generally considered wearing clothes - a score within the 700's is good.

You stipulation to handle the complaint through one of the credit bureaus. They'll investigate it for you. I don't know how to draw from a free credit score.

Answers:
If you be over 18 when the services were rendered, you are responsible for the medical bills. Regardless of what you and your mother told the hospital. If you be under 18, consequently it should be removed because you were not of age to contract and your mother would be responsible.

The best route to handle this is to write to respectively of the three major bureaus, Trans Union, Experian and EquiFax, disputing the debt as "not mine" if you be under 18. I would include proof of your age at the time services be rendered if it shows you were a minor.

Now if you be over 18, you could dispute the date of services, the amount owed or any other factors that may be not exact. The hospital has 30 days to verify the information as accurate. I enjoy to tell you that this is probably an uphill encounter for you. Because if the information IS accurate, nobody can legitimately have it removed.

As for most people's score, I have never see a perfect gain. An "average" score is surrounded by the mid to high six hundreds. Credit bureaus own to give you a free credit report every year, but can charge you for your score. Also, those credit reports that include all three bureaus may endow with you a score, but they are never accurate. The system have really turned ino a major rip stale.

Anyway, that's pretty much what you can expect. Sorry I couldnt give you more info.

To get hold of your score for free, capture prequalified for a mortgage with a mortage broker. Then, ask the broker.

No website will do it.

-->Adam

To check your credit gain, go to this website:

https://www.annualcreditreport.com/cra/i...

You can vista your credit score once a year from respectively of the three major credit bureaus, so you can check one of them every four months for a total of 3 times a year. This website is completely not dangerous to use.