akamrwong

Thanks Whychat, Just needed a quick rundown of the options/routes I should look into which you have provided quickly and painlessly (there is quite a bit to sift through on this site without an initial, friendly guide in the right direction). I've checked all three from the CRA's and for some reason the only one not reporting the negative event is Transunion....the other two report it as unpaid. I would have taken the wise approach had I understood the how things work with CAs, CRAs, and credit reports . I figured paying the entire balance quickly (31 days after the date of the of the CA's letter), which was a pittance (40 bucks!) would solve the problem. Live an learn, thanks again akamrwong

My statement date was May 7 but it has yet to show up on any of my reports. Also, i cannot pull up a statement on my online account. I paid down the balance and did not make any purchases so it does not give my an option to pull last months statement, the box just reads "unbilled". Is this why my CR's are not updating with the new balance?

Hello everyone at creditboards (my first post)! Do I stand a good chance of disputing a medical collections on my credit report Details - received a letter dated May 24th, 2011 from CA saying I owed $40 due to unpaid medical bill - I paid with debit card on June 25th, 2011 the entire balance (i didn't read the letter till that day) The letter states a 30 day window to validate debt The letter also gives a vague grace period to settle debt with original creditor ("we will postpone recovery efforts to allow you sufficIent time to remit payment in full" Background info - I am in the process of buying my first home. I assumed I had great credit because I had never missed a CC payment nor ran high balances. Much to my suprise and anguish, my relative credit score was a 672 due to this negative item. It still shows on report as unpaid. Keep fighting the good fight! akamrwong