Medical Collections

[Redbull]

I know that if you have any open collections on your credit report, that may automatically put you in the high-risk program. What if they are open medical collections, and I have a letter explaining why they haven't been paid?

[Hamburglar]

If you can provide documentation that the open medical collections are in fact an error, this will be taken into consideration when placing you in a standard market if your credit score qualifies. If, in fact the collections are legitimate - the will simply count as ordinary open collections and will automatically place you in the higher risk market.