My daughter is being treated for XXXX. XXXX bills were sent to collection that I was never notified about. Her insurance companies were billed. In XXXX instance, the hospital billed the insurance company incorrectly. They have since corrected the error and I recieved notice that the item would be removed from my credit but it has n't yet. In the other instance, the bill was in dispute and has since been paid. It should not have been reported as a collection. I learned about these collections when applying for a mortgage, my over XXXX credit score had gone down XXXX points because of XXXX collections that should have never been reported. It was a nightmare to get the creditor and the insurance agencies to resolve this. Talk about being kicked when your down, dealing with a seriously ill child and having your credit negatively impacted.