Hi guys. I just needed help on getting my '90+ day' delinquent mark removed. I had a 3k loan that I completely forgot about during covid since it has been paused and one day woke up learning that my loan was transferred to edfinancial in Jan and that my credit dropped by a 100+ points as of 2 days ago. I got zero warnings, no 30 day or 60 day notification. My credit report says that this is the only missed payment. I own a home and car so I'm not desperate to fix my credit but feel like it's unfair for me to ruin my credit for a simple miscommunication. I called Edfinancial and they are not budging. I got the same agent twice on two different days lol. I guess they got their money and don't want to deal with me any longer. My question is can I dispute this with the 3 main credit bureaus? I'm not even sure how to even word the dispute as I'm so confused.

I'm thinking of changing my renter's insurance of 8 years Assurant (Actually did some research and did not hear good things about them) to bundle with USAA. My apartment company has an "insurance fee" as part of the lease which covers liability, so all I would need is coverage for property. Since liability is now part of the lease, I was thinking of dropping liability from renter's policy to save some money. Is there any reason why I should keep liability on my renter's policy that I can't think of?

I have UHC and while taking care of some things on the phone with a representative I asked a question out of curiosity which was just my confusion that sometimes when I get my botox for migraines my provider has me pay nothing and I get the bill later, other times I just have to make "a" payment and then get the bill later. When I say get the bill later in both cases I mean after the claim has gone through insurance I then get the billed amount I owe, and the portal for UHC updates with my EOB (I use the EOB to apply for a savings program to be reimbursed by a third party). My most recent appointment however they made me pay the full amount of botox up front otherwise they refused to treat me. I am disabled without this treatment so I just found a card with enough money on it and gave it to them. The insurance representative told me they aren't to make me pay more than a voluntary small amount of my choice if I want to, and that they aren't supposed to deny me my treatment that they approved. She told me to not pay next time and if they push back to call United and get a representative on the phone. My mother used to work medical scheduling however and she insists they can make me pay whatever amount they want and reimburse me later. I am thinking my mom might be more right but just want to hear it straight. For the record I am in the (slow) process of changing migraine treatment providers for a number of reasons related to poor communication or miscommunication.

I've been a loyal Farmers/Foremost customer for 10 years, claim free. But when I had interior drywall damage, they wouldn't cover anywhere near the cost of the repairs. I gathered three quotes, but the Farmers Rep said they were all "unreasonable" and suggested I keep looking for cheaper options. My rep told me he basically punches numbers into a computer, and that spits out the estimate. He doesn't actually talk to contractors, just does "what the computer tells him". Anyone else experienced something similar with Farmers or other insurance companies? If so, open to sharing about it?

Been a loyal member for years. Got a rock to the windshield of a 21 Toyota Prius Prime. On March 8. I reported it and it got pushed to Safelite. They are the contractors that ACSC uses to replace auto glass. However for some administrative reason. ACSC failed to approve the claim to Safelite. After weeks of phone calls i finally get an approved claim. However they require additional ACSC approvql to unstall the requested OEM Glass. This gets approved. After 5 days i call back and i am told thatbwhen the glass gets in they will call to scheduleinstallation. This Morning Auto Glass Now calls me to make an appointment. Im there 20 minutes early. I come back ajd wait in office. Tech reports that he cannot run the OBDII decice that is required to calibrate the safety systems in the car. I ask if they want to call the insurence company, and return my deductable? They insist on showing me that it dosnt work. But they can replace the windshield with out calibrating the systems. I refuse. Tech gets on the phone with someone that walks him through connecting the device to my car. It works. I am again waiting again. Do I complain to ACSC? Safelite? Do i find a new insurencw company? Thanks in advance!

I have met my Medicare deductible. I have plan G Medicare supplement which pays all co-pays, etc. I am being billed by a doctor’s office in spite of the fact that I have no further liability for co-pays. What is the best way to resolve this as the doctors office keep sending me a bill.

Location: Arizona Was in an accident and Farmers client was at fault. I had borrowed a car but had to return it. My insurance company offered a total loss on my car that was being repaired which I accepted but I had to rent a car while I looked for a new one (which took a week ) Farmers is refusing to pay for that rental because they said they are not legally obligated to pay for anything after the offer was made to pay for my old car. Is this correct ?

Just received notice of my policy increase for my healthy paws plan for a 4 yo dog. The new premiums are already beyond what I’m able to afford, but now they are going to raise the plan $10 more per month due to an address change. They did this last time we moved and said the new state was more expensive than where we lived previously, now we moved back to our old neighborhood and somehow it is more expensive than the previous state they said was more expensive than this. I’m frustrated because it seems like we are being penalized for moving, and now the plan is double when we started. Basically, it’s already stretching my finances, and I’m concerned about sustainability at this rate and how much they raise the policy every year. We barely hit deductible as is and only hit it once or twice in the life of the policy, never gotten much back in claims, thankfully (glad to not have had crazy issues yet, knock on wood) At 4, dogs can start to have other issues, and I’m concerned that other plans might have preexisting condition policies and not cover if other issues develop and we don’t switch in time. Any advice or other option recommendations? I like healthy paws because they are easy, generally pay the policy claims very fast, and I trust that their coverage will last. But given the costs, I’m not sure where too go from here.

My wife has started seeing a new therapist who she seems to really like. The therapist is out of network for our insurance (Cigna) and I think does only self-pay, but issues a superbill at the end of the month that we can submit for reimbursement. This superbill contains her NPI number but not her TIN. I have submitted claims with these superbills to Cigna but they have been denied due to lacking a TIN. After seeing the denials I googled and found that this provider is a sole proprietor therefore her TIN is actually her SSN, and that it is a relatively common practice for solo therapists to be structured this way instead of through an LLC. If she declines to provide a TIN to our insurance company is our only recourse finding a different provider? I’m not going to ask my wife to switch but just want to understand the lay of the land.

A couple weeks back I was moving into my new apartment complex, and had the door on my vehicle cracked open while I went inside to move what I was carrying before coming back out. While inside my apartment building, I received a call from the office telling me someone had hit my car. I went down to the parking lot and a man was waiting next to his truck for me. He claimed the wind had blown my door open while he was backing into the space, and that he had looked at his camera and it was closed and then he started backing up and heard it crack. The door is off its hinge, and the corner is folded over... it still shuts but it will most likely need a new door. He profusely apologized and gave me all his insurance info and contact information. His agent calls back after I file the claim (Erie), and tells me that they will not be covering the claim and that my insurance would be responsible because the wind blew it open and "there's no way he could have looked at all his mirrors 100% of the time, and its you're fault for leaving the door cracked, allowing it to blow open into his path". Since sentry mode was off ( I have a model 3), and my apartment's surveillance camera was down at the time, there is no way to show if the door was already open or had blown open. My insurance deductible is $1,000 and I don't have that at all right now. Also if I choose to do that, I'll spike my insurance for the next 2 yrs of my lease. Do I go to a lawyer?? I don't even know if I can afford one. I have no clue what to do, and I feel like my only option is to wait 2 years and hopefully fix it out of pocket before my lease ends.... but then I would be out 2/3k for a new door. Someone help me out here....what do I do?