Any item that is not paid in your credit file is bad no matter what the amount is. In less then two years the item will be gone and you will have new credit established with your credit card.

report does not show C.A. name, just a reference number guess I will contact the hospital and have them tell me whos got it
I will make sure to have all the paperwork and receits when I pay

having no real credit history in canada and only this 4 year old hospital delinquent account......how bad is that really?
is it just me or is an unpaid bill of under 1000 dollars just not that bad?
Ive paid everything else
I work hard
pay taxes
so easy for them to screw people over! not so easy to fix

thanks again average joe

If you pay the debt in full it will defiantly reflect better then if it were settled. If you decide to pay in full the process can take a few days. If you decide to settle and depending on your offer it can takes weeks or months. I must advise you that if you settle make sure you get a settlement agreement before you hand over your money. Once the debt is settled or paid in full make you fax the credit bureau the release letter so your credit file can get updated right away. It does not matter if the debt has been bought or not. Does it show the collection agency name in your credit file, if so call them up and see if they still have the file or not? If the file is not with them, then you need to contact the place you owe the money and they will send you in the right direction. If you settle or pay your debt tin full; I would wait a few months and apply for a credit card with capital one.

if i settle, will that reflect positively when I apply for a credit card? or just paying in full will help me get a c.c.?
how long can I expect the whole process to take...contacting C.A., making a deal, paying and the information be updated to my report?
how do I find out the C.A. that bought my debt?

thanks a lot joe, I seen a lot of your posts here

i was hoping for a member like you to help out

The date of last activity of July/2006 is the date you need to go by. Whether you pay your debt or not by law this item must come of your credit file on July/2012.If you decide to settle or pay your debt right now, the date of July/2006 will not change. The only thing that will be added in the collection section is settled or paid in full.

it is on my equifax report and there are 2 dates one says report assigned 02/07 and the other says last activity 07/06
what would you recommend doing? this is the only thing on my report I have no other negative or positive entries on it
It is very important that i get a credit card as I will need it for renting equipment, tools and cars for work
after reading the stuff about SOL here and how it gets written off after 7 years and how it may reset date of last activity if I pay and how even if I pay I may not be able to get a credit card.....

I am lost

I tought I own I will pay

now I have no idea what would be better for me
even tho I know what would be the "right" thing to do

Is the item showing in your Equifax or Trans union credit file? There is no R rating because it’s the collection section of your credit file. What is the date of last payment or date of last delinquency showing in your credit file? Whether you pay or settle your debt now; the item will come off six years from date of last payment or date of last delinquency that is showing right now in your credit file.The statute of limitation in Ontario is two years.

Hi everybody

3 and a half years ago I went back to Brazil for personal reasons
at the time i had just immigrated here and I had no OHIP card also I had an accident at work (doing a private job) and had to go to a hospital...I was told at the time that all I had to do was present them my ohip card when i got it and I wouldnt be charged anything...I had to leave canada before getting the card or settling the bill
I am now back in Canada (Ontario) I am trying to lease an apartment and was wasked to do a credit report

My credit report shows a delinquent account for north york general hospital, just under 1.000,00 it just says delinquent no R anything, I'm assuming its a R9, right?
Also after reading a LOT of the postings here I am ubber confused
Should I pay this now? If so should I pay in full? Will it change to a R something else other than 9? Will I not get approved for a credit card even if I pay? Should I just wait another 3 years untill SOL kicks in? Can I try to make a deal with a hospital bill? Does SOL applyes to hospital bills?
I read somewhere that I can have a note put on my credit report do you guys think I can have it explain my lack of OHIP card at the time? Would such a note make any difference when applying for a credit card?

thank you for your time and please excuse any speling mistakes