Please give me tips and things to say to billing department to help my odds of lowering my bill. I have a large medical bill I am not able to afford, but I want to tell them I can pay them in full but only with the specific amount that I do have, how can I do this?
Please give me tips and things to say to billing department to help my odds of lowering my bill. I have a large medical bill I am not able to afford, but I want to tell them I can pay them in full but only with the specific amount that I do have, how can I do this?
Please give me tips and things to say to medical billing department to help my odds of lowering my bill. I have a large medical bill I am not able to afford, but I want to tell them I can pay them in full but only with the specific amount that I do have, how can I do this?
I have a medical bill that I cannot afford at all on top of other medical bills and the finance department and billing department has not been helpful in providing financial assistance or a percentage off that is something I am able to pay.
My bill is $450 so theoretically, if I just don’t pay it and allow it to go to collections, since it is under $500 it won’t affect my credit? What would I have to lose?
I found this article by experian explaining this.
I didn’t think it would be this hard to get a credit card but heres my situation, any advice would be greatly appreciated:
I don’t have any credit history, only make around $15,000 annually at the moment, but want to build credit for future purchases like a house. I applied for the Discover It card(never checked if I was pre approved since website was down for weeks) and got rejected. I haven’t gotten the letter explaining why in the mail yet but the only reason I can think of is because my income is so low?
I know applying for this card has already affected my credit score negatively now, so I am trying to be cautious of which card I try to apply for now and looking for the best chance of approval.
The options I can think of:
-Ask family member to become an authorized user and not use that card, but just have it to help boost my score (not sure how likely this is that a family member will be able help me and risk if their credit score ever changed)
-Apply for Capital One Premium Card, they “pre-approved” me for this card but who knows how accurate this is
-I recently created a business bank account with a new bank, but I don’t plan on using the card much just yet so they don’t really know my spending habits. However they offer a credit card to their members and I guess it is likely that you’ll get approved if you have an account with them and have direct deposit set up etc. I may create a checking account with them but honestly don’t know if I really want to do direct deposit with them, but maybe I should talk to them to see if my chances of getting approved would be higher with them??
But with these two cards I’m nervous I am going to get rejected again and take a hit to my credit even more as I know you’re not supposed to apply for multiple credit cards in such a short period of time.
What should I do?
Any Options I don’t know about?