Hayday0502

This has been happening to me since November.. Like clock work... Nov. 19th I received the message and I would call... I wasn't able to run a report again until Dec 18.. Then I was only able to pull for five days.. Then the message popped up again.. I would report and then Bam.. access again at the end of Jan.. only able to pull five days.. and I would get the error message again. They would always give me the excuse.. "You have too many softs".. Well, that only worked the first time because after that I would say.. "Then that's your problem because I've only pulled my report five times in the last two months.. " Also went round and round with the "You can't pull your credit every day"..and my response was "I pay for an unlimited service".. yada yada yada Finally I had had enough.. When I revived the message "AGAIN" after only having access for five days I called into Equifax and they started with the same script (yes it's a script). I basically told them they were full of crap and just cancel the service. (No mind you I've been a paying member for almost three years and just started having issues in November of this year)... They kept me on hold FOR AN HOUR just to cancel .. trying to say "Well your file is so large our system is running slow" when in actuality I'm sure they were just trying to get me to hang up and not finish the cancellation. After being on the phone forever, the guy comes back on to tell me that my cancellation was complete but i would not be able to run my equifax report because of all the softs.. Now just prior to him saying that I had run my three bureau report from MPM and it ran fine.. When I told him this he acted as if I was insane.. I stood my ground and made them give me refunds for the months that I was not able to access my report.. I need to file a complaint against them.

I have been dealing with this for weeks now.. Equifax placed a fraud alert on my report after I disputed a reinsertion on my credit report. I have called several times and they claim "there is no fraud alert" on my report but when I pull it thru Equifax Complete it clearly says there is a fraud alert. I've been going around in circles. And it almost cost me getting approved for my new car.

Merrick Bank was the worst to deal with when clearing up my reports. They will settle the account but they REFUSED to do a PFD.. and I tried for almost a year Good luck

I wouldn't sent them anything.. I would use that information and send it to Calvary cause there is NO WAY they can validate it if GECRB/ON can't even validate it.

I really hope so, I think they will since I'm pass my four years SOL. Thank you very much for replying. In my case they were able to send me very good validation of the account they were reporting. So I offered a PFD and they accepted it. It went really smoothly Were you passed your SOL? Do you mind sharing the approximate amount? Thank you. Was past the SOL and I think the original total was almost $1250 and I settled for $200 and they deleted the entry from all reports they were reporting to

I really hope so, I think they will since I'm pass my four years SOL. Thank you very much for replying. In my case they were able to send me very good validation of the account they were reporting. So I offered a PFD and they accepted it. It went really smoothly

My experience with RJM is that they fold pretty easily upon DV.. you may not need to worry with the bonding company

I've used it before.. Yes it's a hardpull and yes I had success and was given a CLI

Thank you Why Chat... but here's the kicker... I DID become legal guardian in November of 2012.. I have the court paperwork to prove it.. Can I still send the OC the certified letter stating that I was not legal guardian at the time of service? If you had applied for legal guardianship then you can not send the letter. Nor can you properly deny responsibility for the charges. When you signed her in you were acting as a "de facto" legal guardian, not a temporary party who could assign the liability to the insurance she was under. In addition, since the step parent who had the insurance was not involved at all in her admission, there was no way that the costs could have been put on his insurance unless the child was carrying an insurance card and it was provided at the time of admission. The fact that she had been previously treated there under an insurance policy that they had "on file" is a non issue. If you had provided that data to them then you would not be on the hook for it now. Send the initial dispute letter to the CRAs, if the account is not deleted and if you get a response from the reporting CA, then pay the OC with the HIPAA letter insert "a". This will keep it from becoming a "paid" collection on your reports. No good deed goes unpunished I hope she is covered with insurance now. I didn't apply for legal guardianship as much as I was granted conservatorship of her because her step parent (who was in legal proceeding at the time of her admission) decided she did not want her anymore. We had a copy of the insurance card (front and back on xerox print out on admission) as well as a document signed by the step parent claiming she was the guardian, stating I could sign for treatment and that she would be financially responsible. Now the hospital is claiming that since it wasn't notarized it isn't legal.. but yet it was legal enough for me to sign her in for treatment. It's not a lot of money and I don't mind paying it.. I just want the collections off my report. and you're right.. no good deed goes undone.. She is currently covered under MY insurance.. Thanks again for all your help and insight on the matter. I'll start working the letters now.

Thank you Why Chat... but here's the kicker... I DID become legal guardian in November of 2012.. I have the court paperwork to prove it.. Can I still send the OC the certified letter stating that I was not legal guardian at the time of service?

Ok.. here's the confusing situation.. Back in July of last year I had to admit my 15 yr old niece into detox treatment. Now.. brief backstory.. she was dropped off at my house mid march by a step parent.. (her father is dead and her bio mom is a meth head on the streets).. anyway.. niece pissed off step mom, who had legal custody and insurance on said niece, and that is why she was dropped at my doorstep.. and never picked up. Anyway, When I signed her into the hospital I made it very clear that I was just her aunt and not her legal guardian, step parent signed an Authorization to Consent to Treatment of a minor.. so I could at least sign my niece in. Fast forward to a month and a half ago, I receive a collection letter from Grant and Weber... I immediately send a Texas style letter explaining that I am not the financially responsible party for this debt. They reply back with a bill from the hospital... then a week ago I see Grant and Weber collections pop up on my CLEAN REPORTS for the medical collection of the above debt. I called them, yes I know... i shouldn't have, because 1) They published a collection to my report while I was still disputing it and 2) I told them that this was not my debt... They basically told me that there was nothing they could do and they would continue collections. I contact the OC this morning to talk about this and I was informed that because I signed her in, she lives at my address etc.. that I am 100% liable for the bill. Now mind you, they have insurance on file of the step parent.. Conveniently, the Authorization of Consent to Treatment of a Minor was missing from their files.. but not MINE... So I inform the OC of this.. They claim that if it isn't notarized then it isn't binding.. to which I immediately replied "Well if it's not binding then anything I signed isn't legal, since I had NO LEGAL RIGHTS TO SIGN THAT MINOR IN FOR MEDICAL TREATMENTS.. Any idea how I can quickly get this collection off my clean reports as quickly as possible? I'm trying to get a kid thru college in the fall and I'm going to be applying for student loans.. This one collection tanked my score by 100 points.

So I stumbled across this thread and thought since i was a Texas Resident that I would join.. and OMG am I glad I did!!! I was approved for their Rewards MC with a limit of 7,000 with in interest rate of 9%, a line of credit of 5,000 with an interest rate of 10.7% and they refinanced BOTH of my vehicles at a 1.9% interest rate.. All with 1 HP on Trans-union!! This is by far my highest limit and they stated my TU score was 709

I had an unpaid Midland collection on my report when I was approved for a mortgage..

Sounds like the lawyer is doing it on a contingency basis.. Which means if you lose he gets nothing and if you win he will most likely be getting 33% of your winnings .. mind you that is after taxes. Typically lawyers wont take cases on a contingency basis unless they are for certain they can win.