What can you do about bad credit rating due to insurance companies late payments?

This happens to alot of people due to the massive confusion about which medical bills will be covered. People generally wait to see what the insurance company will cover while the bills go unpaid and into collection. What you need to do is find out by calling the medical companies who invoiced you and/or the collection agencies to find out if each one has been paid. If so, get a document to prove it. If not, then you are going to have to pay it and get proof. As you get the proof for each one, send a copy of it with a letter of explanation to each of the credit reporting agencies. They will then mark the item on your report as "paid". REMEMBER: Keep copies of all your correspondence. If you apply for a mortgage and you have the proof that these were paid then it will not affect your ability to get a mortgage loan.