Bulldogc

Experian Letter came today. It's a strange response. It basically says: "If I question something on my report I need to dispute it with the person reporting it" I'm pretty lost at this point. Why Chat? What do I do now after the first round?

Just received a response from equifax today. All collections verified none deleted. Still waiting on Experian. Not sure where to go from here.

I received a response from TransUnion today. I had two collections reported with them. They deleted one and verified the other. Thats a great start but what do I do next? I am still waiting for responses from the other two CRA's.

Why Chat I made a mistake. Before I found this forum I paid a CA over the phone with my credit card. I told them I was willing to pay if they deleted this collections off of my reports, well of course they are still there. Since i had quite a few to dispute i missed it and included it in the dispute letters to the CRA's. The collections agency is FRANKLIN COLLECTION. Should i wait on the results of the disputes or did i mess up? Thank you. By the way, The collection shows paid on TansUnion but not on Equifax, the amount was $850

Why Chat, Got it. Thank you. I will report back here when I get a response from them.

Ok, I got my credit reports and filling out this letter to the CA agencies. http://www.whychat.5u.com/hipaadisp.html I don't want to make a mistake so I am going to ask a dumb question. I dont completely understand two lines in the letter. 1. I have no knowledge or records of account # xxxxx from xxxxxx on my report # xxxxx What would be my report # xxxxx? 2. What does RR mean? Do I send this registered mail? Thank you.

Hi, About a year ago I got sick and had to visit the emergency room on 3 different occasions. I paid some bills as they cam in but quickly was overwhelmed. No Insurance at the time. Now the bills are starting to come into collections and I would like to deal with them a few at a time. I have 4 on my collections right now. I had perfect credit before all this Fico score was 780 and has dropped to 635 Ouch. Here is the problem. I can only take care of three of those bills right now. Can I start the process with three bills and do the same later with the 4th and others are likely to come into collections also. Can I deal with the bills I can handle a few at a time? Also, If you have no idea who the OC how can I find out. Do I start here? Do I opt out now or? Thank you for this great forum.