2 replies to this topic

[MsKMG86]

Hi all,

I recently paid a late invoice (medical) in which I just pulled MyFico Report and it shows as a collection account. I paid directly to the Original Creditor (Medical Office where services were given) at their online website. If I had of checked my CBR before paying I would have tried to pay for a delete or something to get it off my CBR. What do I do now as I need the Collection (with a CA) off my CBR? As I can't have any collections post BK per my Mortgage counselor who's helping me in the home buying process for my first home.

Please HELP!!!! I am so lost as to what to do.

[deemac]

Read Whychat's process carefully.

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

The fact that you paid the OC rather than a CA is good. Follow the process precisely, based on the account already being paid.

[Why Chat]

Hi all,

I recently paid a late invoice (medical) in which I just pulled MyFico Report and it shows as a collection account. I paid directly to the Original Creditor (Medical Office where services were given) at their online website. If I had of checked my CBR before paying I would have tried to pay for a delete or something to get it off my CBR. What do I do now as I need the Collection (with a CA) off my CBR? As I can't have any collections post BK per my Mortgage counselor who's helping me in the home buying process for my first home.

Please HELP!!!! I am so lost as to what to do.

Is it on ALL 3 reports??

The MY FICO report is a merged report ( I think) you need REAL reports indivisually from each CRA to properly dispute.
To order, visit annualcreditreport.com,or call 1-877-322-8228
Opt out
http://www.whychat.5...OPTOUTINST.HTML
Send each CRA where the account is reporting, this:
http://www.whychat.5.../hipaadisp.html

Come back to this post with your results and for further directions ( if needed)