+ 1 > It's like it's designed to screw up people's credit, even when they're trying to pay what they owe. I had a bill that was 100% covered by insurance, onl

+ 1 > It's like it's designed to screw up people's credit, even when they're trying to pay what they owe. I had a bill that was 100% covered by insurance, only they never sent it to me. it's 3 years later and despite my insurance now paying the bill twice, countless conversations, some collections agency is still giving me calls, and it's still on my credit report. I have insurance, I make a great income, I paid every bill that I received. Somehow it's still biting me. (It's not a huge debt, and I disputed it as soon as the collection notice arrived, and my credit is not direly affected)