CA screwed me over please help

[birdman6709]

Hello and thank you in advance for all your help.

 

I had emergency gall bladder removal surgery 09/08 while I was in between insurance. Any bills that were sent to me I was able to at least get on a payment plan and pay them $50 a month, of which I am still paying one down. One company never sent me a bill or called, and sent the bill to a CA, they never called or sent me a bill, the only way I was able to find this was that it was on my credit report.

 

Being young and nieve, I proceeded to call them and resolve the issue, I was told that if I would pay the adjusted balance it would be taken off from my credit report and the matter closed. I did pay the settlement amount and called back 30 days later only to find out they would not remove it and I could do nothing else. To

date I have called to request the phone recording, in which the manager told me they only keep it for 2 years, and I would need a court order to get it. I have written numerous good will letters not only to the OC but the CA, and several validation letters to each CRA, all of them with no results.

 

I have read a lot in here and have done the following so far.

Opt out permenatly

Requested to remove old names/address

 

Since I have paid the CA and it shows PAID, I am not sure what to do at this point. Please help me if you can.

[birdman6709]

I have send out letters to each CRA with my ID and Utility with my current address, and a letter asking to remove any address other that the one shown for security reasons, I have also had any phone numbers cleaned up that may have been associated to me. I have 1 account that I had missed a payment on, but that has been removed from 2/3 CRA's and working on the 3rd one right now. This site has so much useful information, cant wait to get those scores up from where they are now.

[Why Chat]

I have send out letters to each CRA with my ID and Utility with my current address, and a letter asking to remove any address other that the one shown for security reasons, I have also had any phone numbers cleaned up that may have been associated to me. I have 1 account that I had missed a payment on, but that has been removed from 2/3 CRA's and working on the 3rd one right now. This site has so much useful information, cant wait to get those scores up from where they are now.

OPT OUT IMMEDIATELY!!

http://www.whychat.5u.com/OPTOUTINST.HTML

Otherwise your address changes data will be SOLD to data miners AND your reporting CAs thereby nullifying the effect of the address changes.

 

Make sure you have notified any GOOD closed accounts of your current correct address or you may lose those tradelines.

 

Once the address deletions have taken effect send each CRA this: ( list ALL medical accounts as they appear on that report)

http://www.whychat.5u.com/hipaadisp.html

[birdman6709]

I have send out letters to each CRA with my ID and Utility with my current address, and a letter asking to remove any address other that the one shown for security reasons, I have also had any phone numbers cleaned up that may have been associated to me. I have 1 account that I had missed a payment on, but that has been removed from 2/3 CRA's and working on the 3rd one right now. This site has so much useful information, cant wait to get those scores up from where they are now.

OPT OUT IMMEDIATELY!!

http://www.whychat.5...OPTOUTINST.HTML

Otherwise your address changes data will be SOLD to data miners AND your reporting CAs thereby nullifying the effect of the address changes.

 

Make sure you have notified any GOOD closed accounts of your current correct address or you may lose those tradelines.

 

Once the address deletions have taken effect send each CRA this: ( list ALL medical accounts as they appear on that report)

http://www.whychat.5.../hipaadisp.html

 

I completed the permanent opt out long ago, and it shows up on each report. The only closed accounts are student loans that have been transferred to another lender, do I need to update the old student loan lenders? I will send out this letter once they have taken effect, thanks.

Edited May 7, 2012 by birdman6709

[Why Chat]

I have send out letters to each CRA with my ID and Utility with my current address, and a letter asking to remove any address other that the one shown for security reasons, I have also had any phone numbers cleaned up that may have been associated to me. I have 1 account that I had missed a payment on, but that has been removed from 2/3 CRA's and working on the 3rd one right now. This site has so much useful information, cant wait to get those scores up from where they are now.

OPT OUT IMMEDIATELY!!

http://www.whychat.5...OPTOUTINST.HTML

Otherwise your address changes data will be SOLD to data miners AND your reporting CAs thereby nullifying the effect of the address changes.

 

Make sure you have notified any GOOD closed accounts of your current correct address or you may lose those tradelines.

 

Once the address deletions have taken effect send each CRA this: ( list ALL medical accounts as they appear on that report)

http://www.whychat.5.../hipaadisp.html

 

I completed the permanent opt out long ago, and it shows up on each report. The only closed accounts are student loans that have been transferred to another lender, do I need to update the old student loan lenders? Send them a letter asking them to update your records, that way when they report, ( I think they do it annually) you won't lose the GOOD paid account, assuming it is being reported as paid as agreed I will send out this letter once they have taken effect, thanks.

[birdman6709]

I have send out letters to each CRA with my ID and Utility with my current address, and a letter asking to remove any address other that the one shown for security reasons, I have also had any phone numbers cleaned up that may have been associated to me. I have 1 account that I had missed a payment on, but that has been removed from 2/3 CRA's and working on the 3rd one right now. This site has so much useful information, cant wait to get those scores up from where they are now.

OPT OUT IMMEDIATELY!!

http://www.whychat.5...OPTOUTINST.HTML

Otherwise your address changes data will be SOLD to data miners AND your reporting CAs thereby nullifying the effect of the address changes.

 

Make sure you have notified any GOOD closed accounts of your current correct address or you may lose those tradelines.

 

Once the address deletions have taken effect send each CRA this: ( list ALL medical accounts as they appear on that report)

http://www.whychat.5.../hipaadisp.html

 

I completed the permanent opt out long ago, and it shows up on each report. The only closed accounts are student loans that have been transferred to another lender, do I need to update the old student loan lenders? Send them a letter asking them to update your records, that way when they report, ( I think they do it annually) you won't lose the GOOD paid account, assuming it is being reported as paid as agreed I will send out this letter once they have taken effect, thanks.

 

I am still in school, so everything is off until I graduate next year, I will send a letter to them updating them on the new address.

[birdman6709]

WhyChat or someone else, I signed up for the USAA CCMP service which is great, and see there is some difference in all my accounts based on a few things.

 

1) The student loans I have from different lenders do not all show up for each CRA, for example I have 2 loans with Wells Fargo and they only show up on EQ reports, while I have loans from DOE for all 3 reports.

 

2) I have an auto loan that shows up on each report, but on EX reports shows up as Auto Loan and the other 2 show up as Installment Loans

 

3) Same thing for a Chase account I have it shows up as Credit Card on EX but shows up as Revolving on the other 2

 

4) My point is this when I look at the installment loans across the board, I have 17 counts for ~$65k for EX, 14 counts for ~$28k for EQ, and 16 counts for ~$64k for TU, interestingly enough my score for EX is 687, EQ is 635, and TU is 607.

 

Obviously I would like to get all 3 reports to the 680 or above level, and its probably still in flux with all the stuff I am sending them. Please let me know if you need any more info.

 

Thanks again.

[Why Chat]

WhyChat or someone else, I signed up for the USAA CCMP service which is great, and see there is some difference in all my accounts based on a few things.

 

1) The student loans I have from different lenders do not all show up for each CRA, for example I have 2 loans with Wells Fargo and they only show up on EQ reports, while I have loans from DOE for all 3 reports.

 

2) I have an auto loan that shows up on each report, but on EX reports shows up as Auto Loan and the other 2 show up as Installment Loans

 

3) Same thing for a Chase account I have it shows up as Credit Card on EX but shows up as Revolving on the other 2

 

4) My point is this when I look at the installment loans across the board, I have 17 counts for ~$65k for EX, 14 counts for ~$28k for EQ, and 16 counts for ~$64k for TU, interestingly enough my score for EX is 687, EQ is 635, and TU is 607.

 

Obviously I would like to get all 3 reports to the 680 or above level, and its probably still in flux with all the stuff I am sending them. Please let me know if you need any more info.

 

Thanks again.

Get your REAL reports:

To order, visit annualcreditreport.com,or call 1-877-322-8228

3rd party reports are always inaccurate and are useless for disputing purposes

 

Once you see your REAL reports you may be able to find some assistance here:

http://www2.ed.gov/offices/OSFAP/DCS/index.html

[birdman6709]

I pulled those reports last week, let me take a look at that link and ill get back.

Edited May 9, 2012 by birdman6709

[birdman6709]

I pulled those reports last week, let me take a look at that link and ill get back.

 

Just got this from TU this morning.

 

MEDICAL BUSINESS BUREAU# 108463****DELETEDMEDICAL BUSINESS BUREAU# 108463****DELETED

[birdman6709]

Send removal letters of old address and found this on my EX report today.

 

ID SECURITY ALERT: FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING 05-12-12.

As for the address so far the only one that was removed was from EQ, EX and TU still have my old address, Is there anything I can do to get this removed, will this hurt me at all?

[Why Chat]

Send removal letters of old address and found this on my EX report today.

 

ID SECURITY ALERT: FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING 05-12-12.

As for the address so far the only one that was removed was from EQ, EX and TU still have my old address, Is there anything I can do to get this removed, will this hurt me at all?

The fraud alert is standard, it will HELP you with your disputes.

 

Send the initial dispute letter:

http://whychat.5u.com/hipaadisp.html

[birdman6709]

Send removal letters of old address and found this on my EX report today.

 

ID SECURITY ALERT: FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING 05-12-12.

As for the address so far the only one that was removed was from EQ, EX and TU still have my old address, Is there anything I can do to get this removed, will this hurt me at all?

The fraud alert is standard, it will HELP you with your disputes.

 

Send the initial dispute letter:

http://whychat.5u.com/hipaadisp.html

 

So even though they put that statement on my account and have not removed the address, so far only 1 CRA has it was EQ I believe, should I send another letter to EX and TU and try to get the old address removed?

[Why Chat]

Send removal letters of old address and found this on my EX report today.

 

ID SECURITY ALERT: FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING 05-12-12.

As for the address so far the only one that was removed was from EQ, EX and TU still have my old address, Is there anything I can do to get this removed, will this hurt me at all?

The fraud alert is standard, it will HELP you with your disputes.

 

Send the initial dispute letter:

http://whychat.5u.com/hipaadisp.html

 

So even though they put that statement on my account and have not removed the address, so far only 1 CRA has it was EQ I believe, should I send another letter to EX and TU and try to get the old address removed?

No, just send the initial dispute letter to any CRA that is reporting any medical account.

Come back here for further instructions once you have the results from all 3 CRAs from the initial dispute letter.

[birdman6709]

So far only EQ has not removed it, I will sent it out to them once I am able to get to the post office and pick up some certified mail slips.

[birdman6709]

So far only EQ has not removed it, I will sent it out to them once I am able to get to the post office and pick up some certified mail slips.

 

Letter was mailed out today, after I got a notice back from EQ that the collection was validated. Strange how EX and TU both deleted the collection with a validation letter, but EQ does not, and not I have to send out the Pre-HIPPA letter.