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25 yr old trying to clear up 3 medical collections...plz help!


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75 replies to this topic

#26 Why Chat

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Posted 29 September 2011 - 03:48 PM

CRA Delivered Dates:

Trans Union - Delivered - 9/26/11

Equifax - Delivered - 9/27/11

Experian - Delivered - 9/28/11


What is the amount of time they have to respond back?
30 days?

Yes if you paid for the report, 45 days if it was a "free" report.



#27 Mixter

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Posted 29 September 2011 - 09:08 PM


CRA Delivered Dates:

Trans Union - Delivered - 9/26/11

Equifax - Delivered - 9/27/11

Experian - Delivered - 9/28/11


What is the amount of time they have to respond back?
30 days?

Yes if you paid for the report, 45 days if it was a "free" report.


Ok.

Thank you Why Chat.

I will post again when I receive an update.

#28 Mixter

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Posted 06 October 2011 - 07:38 PM

CRA Delivered Dates:

Trans Union - Delivered - 9/26/11

Equifax - Delivered - 9/27/11

Experian - Delivered - 9/28/11




Great news!!!

Received TransUnion letter, dated 9/30/2011, stating "Our investigation of the dispute you recently submitted in now complete. The results are listed below......"

ITEM1 #********** DELETED

ITEM 2 #********* DELETED

ITEM 3 # ******** DELETED


SO AWESOME!!! THANK YOU WHYCHAT!!!


I still need to see the same thing on the Experian and Equifax credit reports.

Hopefully I will receive a letter from them soon.

If not I've heard to check the "back door"........ how do I do this?

What is the next thing to do Whychat?

Thank you!!!

#29 dancinglizard

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Posted 06 October 2011 - 08:00 PM

If not I've heard to check the "back door"........ how do I do this?

What is the next thing to do Whychat?

Thank you!!!


Hi there! If you want to check the "back door" you go to the CRA website (links found here: http://creditboards....howtopic=242892).

#30 Mixter

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Posted 06 October 2011 - 09:28 PM


If not I've heard to check the "back door"........ how do I do this?

What is the next thing to do Whychat?

Thank you!!!


Hi there! If you want to check the "back door" you go to the CRA website (links found here: http://creditboards....howtopic=242892).



Thank you.

Do you just click on one of the options and then put your info in?

I tried this on TransUnion and it ended up saying "Website Temporarily Unavailable"

..............am I doing it right?

#31 Mixter

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Posted 06 October 2011 - 11:50 PM

Nevermind I figured it out.

I checked the CRA's through the back door and the reports are showing as following....

TransUnion

-All 3 Negative collections DELETED

Experian

-All 3 negative collections are still on the account;
-2 say NO STATUS
-1 says "this item is currently being investigated"

Equifax

-All 3 negative collections are still on and status is " currently being investigated"



Should I still wait for some sort of confirmation from Experian and Equifax or continue with the next stage?

Thanks.

#32 Why Chat

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Posted 07 October 2011 - 04:55 PM

Nevermind I figured it out.

I checked the CRA's through the back door and the reports are showing as following....

TransUnion

-All 3 Negative collections DELETED

Experian

-All 3 negative collections are still on the account;
-2 say NO STATUS
-1 says "this item is currently being investigated"

Equifax

-All 3 negative collections are still on and status is " currently being investigated"



Should I still wait for some sort of confirmation from Experian and Equifax or continue with the next stage?

Thanks.

You can not go to the "next stage" until you have completed the CURRENT stage.

currently being investigated

means what it says.

Once you have a response from Eq and Ex you can come back here and post the results to get advice about any "next step"

#33 Mixter

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Posted 07 October 2011 - 05:29 PM


Nevermind I figured it out.

I checked the CRA's through the back door and the reports are showing as following....

TransUnion

-All 3 Negative collections DELETED

Experian

-All 3 negative collections are still on the account;
-2 say NO STATUS
-1 says "this item is currently being investigated"

Equifax

-All 3 negative collections are still on and status is " currently being investigated"



Should I still wait for some sort of confirmation from Experian and Equifax or continue with the next stage?

Thanks.

You can not go to the "next stage" until you have completed the CURRENT stage.

currently being investigated

means what it says.

Once you have a response from Eq and Ex you can come back here and post the results to get advice about any "next step"




Ok. Thanks!

#34 breeze

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Posted 09 October 2011 - 12:42 AM

Congrats on your progress!

#35 Mixter

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Posted 11 October 2011 - 08:25 PM

Congrats on your progress!



Thank you!





#36 Mixter

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Posted 11 October 2011 - 08:29 PM

Experian letter arrived today

"We have already investigated this information and the credit grantor has verified its accuracy. You may wish to contact the credit grantor directly to resolve your issue"......blah blah.....

So they are verifying the collections.

What is my next step?

Thank you.

#37 Why Chat

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Posted 12 October 2011 - 09:03 AM

Experian letter arrived today

"We have already investigated this information and the credit grantor has verified its accuracy. You may wish to contact the credit grantor directly to resolve your issue"......blah blah.....

So they are verifying the collections.

What is my next step?

Thank you.

The next step is to send each CA that is reporting the medical DV
http://www.whychat.5...cavalhipaa.html

Then as soon as you have proof of their receipt, send the CRAs this
http://www.whychat.5...aa.html#DISPUTE

#38 Mixter

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Posted 12 October 2011 - 11:19 AM


Experian letter arrived today

"We have already investigated this information and the credit grantor has verified its accuracy. You may wish to contact the credit grantor directly to resolve your issue"......blah blah.....

So they are verifying the collections.

What is my next step?

Thank you.

The next step is to send each CA that is reporting the medical DV
http://www.whychat.5...cavalhipaa.html

Then as soon as you have proof of their receipt, send the CRAs this
http://www.whychat.5...aa.html#DISPUTE


Ok.
Im on it.

Thanks.

#39 Mixter

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Posted 13 October 2011 - 10:44 PM



Experian letter arrived today

"We have already investigated this information and the credit grantor has verified its accuracy. You may wish to contact the credit grantor directly to resolve your issue"......blah blah.....

So they are verifying the collections.

What is my next step?

Thank you.

The next step is to send each CA that is reporting the medical DV
http://www.whychat.5...cavalhipaa.html

Then as soon as you have proof of their receipt, send the CRAs this
http://www.whychat.5...aa.html#DISPUTE


Ok.
Im on it.

Thanks.



Forgot to ask but do I write these letters on the legal yellow paper in the teal ink like I did on the initial dispute letters?

#40 Why Chat

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Posted 14 October 2011 - 02:01 PM




Experian letter arrived today

"We have already investigated this information and the credit grantor has verified its accuracy. You may wish to contact the credit grantor directly to resolve your issue"......blah blah.....

So they are verifying the collections.

What is my next step?

Thank you.

The next step is to send each CA that is reporting the medical DV
http://www.whychat.5...cavalhipaa.html

Then as soon as you have proof of their receipt, send the CRAs this
http://www.whychat.5...aa.html#DISPUTE


Ok.
Im on it.

Thanks.



Forgot to ask but do I write these letters on the legal yellow paper in the teal ink like I did on the initial dispute letters?

NO!! All correspondence after the initial dispute letter must be properly typed and "court room ready"

#41 Mixter

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Posted 27 October 2011 - 02:25 PM

Well I am still waiting to hear a response from Equifax.

It has been a month.

I signed up for the free report so I know I still have about another 2 weeks to wait for their response.

1. I have to wait until I have responses from all 3 CRA's before I can write to the CA correct?

2. If Equifax does not respond to me within the 45 day period what should I do?

Thanks.



#42 Mixter

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Posted 07 November 2011 - 06:57 PM

Well I am still waiting to hear a response from Equifax.

It has been a month.

I signed up for the free report so I know I still have about another 2 weeks to wait for their response.

1. I have to wait until I have responses from all 3 CRA's before I can write to the CA correct?

2. If Equifax does not respond to me within the 45 day period what should I do?

Thanks.



UPDATE:

I FINALLY received my letter from Equifax today 11/07/2011.

They are verifying all 3 collections as well.

I am going to send my next step letter to the CA's and write back with a response as soon as I hear from them.

Thanks again Whychat.

#43 Mixter

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Posted 07 November 2011 - 10:15 PM


Well I am still waiting to hear a response from Equifax.

It has been a month.

I signed up for the free report so I know I still have about another 2 weeks to wait for their response.

1. I have to wait until I have responses from all 3 CRA's before I can write to the CA correct?

2. If Equifax does not respond to me within the 45 day period what should I do?

Thanks.



UPDATE:

I FINALLY received my letter from Equifax today 11/07/2011.

They are verifying all 3 collections as well.

I am going to send my next step letter to the CA's and write back with a response as soon as I hear from them.

Thanks again Whychat.



Important question.....

On my credit reports it states that the Collection Agency is (say CA 123)

BUT.....

I have a piece of paper from CA 123 stating that they sold the debt to a collection agency called Astra Business Services (know anything about them??) and that the Collection Agency, CA 123, is actually the Current Creditor.

So, what is going on here?

It seems my OC sold the debt to my current creditor (CA 123) and then they sold the debt to this Astra Business Services, which now I guess the new CA..

Who do I send my letter to?

--------the CA 123 which is on my credit reports, BUT is stating that they are the New Creditor.
--------Astra, which claim to be the current CA
-------- OR to both??

Please help me verify.

Thank you Whychat!

#44 Mixter

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Posted 11 November 2011 - 09:22 AM



Well I am still waiting to hear a response from Equifax.

It has been a month.

I signed up for the free report so I know I still have about another 2 weeks to wait for their response.

1. I have to wait until I have responses from all 3 CRA's before I can write to the CA correct?

2. If Equifax does not respond to me within the 45 day period what should I do?

Thanks.



UPDATE:

I FINALLY received my letter from Equifax today 11/07/2011.

They are verifying all 3 collections as well.

I am going to send my next step letter to the CA's and write back with a response as soon as I hear from them.

Thanks again Whychat.



Important question.....

On my credit reports it states that the Collection Agency is (say CA 123)

BUT.....

I have a piece of paper from CA 123 stating that they sold the debt to a collection agency called Astra Business Services (know anything about them??) and that the Collection Agency, CA 123, is actually the Current Creditor.

So, what is going on here?

It seems my OC sold the debt to my current creditor (CA 123) and then they sold the debt to this Astra Business Services, which now I guess the new CA..

Who do I send my letter to?

--------the CA 123 which is on my credit reports, BUT is stating that they are the New Creditor.
--------Astra, which claim to be the current CA
-------- OR to both??

Please help me verify.

Thank you Whychat!


bump


Please help me with this question.
Thank you.

#45 Why Chat

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Posted 11 November 2011 - 11:20 AM




Well I am still waiting to hear a response from Equifax.

It has been a month.

I signed up for the free report so I know I still have about another 2 weeks to wait for their response.

1. I have to wait until I have responses from all 3 CRA's before I can write to the CA correct?

2. If Equifax does not respond to me within the 45 day period what should I do?

Thanks.



UPDATE:

I FINALLY received my letter from Equifax today 11/07/2011.

They are verifying all 3 collections as well.

I am going to send my next step letter to the CA's and write back with a response as soon as I hear from them.

Thanks again Whychat.



Important question.....

On my credit reports it states that the Collection Agency is (say CA 123)

BUT.....

I have a piece of paper from CA 123 stating that they sold the debt to a collection agency called Astra Business Services (know anything about them??) and that the Collection Agency, CA 123, is actually the Current Creditor.

So, what is going on here?

It seems my OC sold the debt to my current creditor (CA 123) and then they sold the debt to this Astra Business Services, which now I guess the new CA..

Who do I send my letter to?

--------the CA 123 which is on my credit reports, BUT is stating that they are the New Creditor.
--------Astra, which claim to be the current CA
-------- OR to both??

Please help me verify.

Thank you Whychat!


bump


Please help me with this question.
Thank you.


Send the medical DV to the CA that is reporting on your credit reports. Your reports should have an address for them, use that address.

#46 Mixter

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Posted 11 November 2011 - 02:20 PM





Well I am still waiting to hear a response from Equifax.

It has been a month.

I signed up for the free report so I know I still have about another 2 weeks to wait for their response.

1. I have to wait until I have responses from all 3 CRA's before I can write to the CA correct?

2. If Equifax does not respond to me within the 45 day period what should I do?

Thanks.



UPDATE:

I FINALLY received my letter from Equifax today 11/07/2011.

They are verifying all 3 collections as well.

I am going to send my next step letter to the CA's and write back with a response as soon as I hear from them.

Thanks again Whychat.



Important question.....

On my credit reports it states that the Collection Agency is (say CA 123)

BUT.....

I have a piece of paper from CA 123 stating that they sold the debt to a collection agency called Astra Business Services (know anything about them??) and that the Collection Agency, CA 123, is actually the Current Creditor.

So, what is going on here?

It seems my OC sold the debt to my current creditor (CA 123) and then they sold the debt to this Astra Business Services, which now I guess the new CA..

Who do I send my letter to?

--------the CA 123 which is on my credit reports, BUT is stating that they are the New Creditor.
--------Astra, which claim to be the current CA
-------- OR to both??

Please help me verify.

Thank you Whychat!


bump


Please help me with this question.
Thank you.


Send the medical DV to the CA that is reporting on your credit reports. Your reports should have an address for them, use that address.



Ok.

Thank you Whychat.

#47 Mixter

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Posted 05 December 2011 - 04:26 PM

UPDATE 12/5/11

I received my letters back from the CA but they are claiming they are not the CA (as you can read my concern of that in my last post)

The letter states.....

"We do not engage in any direct collection activity. Accounts are placed for collection with third party law firms and collection agencies".

So I guess they are not the collection agency BUT they provided me with my Explanation of Benefits from my hospital visits explaining the bills. Is this considered my "receipt" that I send back to the CRA??

My question now is....

1) Do I send a copy of the Explanation of Benefits back to the CRA? Hence...
Then as soon as you have proof of their receipt, send the CRAs this http://www.whychat.5...aa.html#DISPUTE
OR



2) Do I send the same letter to the CA that the company I received my Explanation of Benefits from is claiming, in order to receive my receipt to send back to the CRA?

#48 Why Chat

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Posted 06 December 2011 - 04:01 PM

UPDATE 12/5/11

I received my letters back from the CA but they are claiming they are not the CA (as you can read my concern of that in my last post)

The letter states.....

"We do not engage in any direct collection activity. Accounts are placed for collection with third party law firms and collection agencies".

So I guess they are not the collection agency BUT they provided me with my Explanation of Benefits from my hospital visits explaining the bills. Is this considered my "receipt" that I send back to the CRA??

My question now is....

1) Do I send a copy of the Explanation of Benefits back to the CRA? Hence...
Then as soon as you have proof of their receipt, send the CRAs this http://www.whychat.5...aa.html#DISPUTE
OR



2) Do I send the same letter to the CA that the company I received my Explanation of Benefits from is claiming, in order to receive my receipt to send back to the CRA?

Have you sent the follow up disputes to the CRAs??
http://www.whychat.5...aa.html#DISPUTE

#49 Mixter

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Posted 11 December 2011 - 08:22 PM


UPDATE 12/5/11

I received my letters back from the CA but they are claiming they are not the CA (as you can read my concern of that in my last post)

The letter states.....

"We do not engage in any direct collection activity. Accounts are placed for collection with third party law firms and collection agencies".

So I guess they are not the collection agency BUT they provided me with my Explanation of Benefits from my hospital visits explaining the bills. Is this considered my "receipt" that I send back to the CRA??

My question now is....

1) Do I send a copy of the Explanation of Benefits back to the CRA? Hence...
Then as soon as you have proof of their receipt, send the CRAs this http://www.whychat.5...aa.html#DISPUTE
OR


2) Do I send the same letter to the CA that the company I received my Explanation of Benefits from is claiming, in order to receive my receipt to send back to the CRA?

Have you sent the follow up disputes to the CRAs??
http://www.whychat.5...aa.html#DISPUTE






No.

That is the question I am asking you.

Do I send my Explanation of Benefits to the CRA's as proof of their receipt?

The ONLY reason I am asking is because the CA that is on my credit reports is actually now the creditor, and NOT the CA. They received the debt from the OC and this company has a CA that collects the debt.

So do I have to send the letters again to the ACTUAL CA??? OR.... are the Explanation of Benefits my "proof of receipt" that I can now send back to the CRA's?

Thanks.

#50 Mixter

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Posted 11 December 2011 - 08:30 PM

Is my Explanation of Benefits considered my "green card" that I can now send back to the CRA's as proof of receipt?




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