NY Scraps

Will do..thanks for the info. =) Follow all the instructions HERE: http://whychat.5u.com/GUIDEBOOK.html When you have results from your initial dispute letters to the CRAs, come back to this post for the next steps.

So sending a DV to the Medical Collections first, won't work? They truly do not have my signature on anything that says I owe this or an responsible for this..just send the CRA a HIPPA dispute? Is that what you suggest? I am willing to do it and will handwrite it but should I just disregard the CA in this matter completely? They are my medical bills but I am not responsible for them. The Insured (ex boyfriend) was and is. Follow all the instructions HERE: http://whychat.5u.com/GUIDEBOOK.html When you have results from your initial dispute letters to the CRAs, come back to this post for the next steps.

Thank you for the reply going to the link now. Follow all the instructions HERE: http://whychat.5u.com/GUIDEBOOK.html When you have results from your initial dispute letters to the CRAs, come back to this post for the next steps.

I'll make it brief, if I can. I wasn't working when with my boyfriend. He supported the family. It was fine for years. Well he left. Just before he left I went for my yearly check ups at the obgyn. I did not know he was leaving within 2 months of this visit! The insurance paid but the obgyn was sending letters that I owe the difference, from what the insurance paid and what was still owed. One is for $270.00 to the obgyn one is for $283.00 for the lab work for the yearly check up, the lab billing me. They are both on my credit reports now, all 3 CR. Here's the thing. Because I wasn't working whenever I went to a doctor and filled out the forms for the visit, for my SS# I always put N/A and for person responsible for the Bill..I ALWAYS put ex boyfriend's name and SS #. SO not sure how they are on my CR since they don't have my SS # unless the insurance CO gave it to them and if they did I have a problem with that. I never showed my drivers license either upon the visits there. They insisted and I never complied. Nothing to hide but I wasnt working at that time and was truly not responsible for the bills! He paid it all all the time and was a great husband. Really. So, how can I get them off my CR? Should I sent a validity dispute to the 2 Collection agents? (PAUL MICHAEL MARKETING, Flushing, NY for the Lab Work) and (C-TECH COLLECTIONS, Mt. Sinai, NY for the OBGYN balance) Also, the amounts owed are not valid in my opinion and I never investigated why they are billing me, since I always returned to sender and or opened it and said I was not responsible for the bill, and gave them his info with his new address upon mailing it back to them... Eventually the bills stopped coming but now are both on my credit. I need them off ASAP as legally I never signed thing, nor said I would pay any balance not paid by his medical insurance company! If I request the valid debt do I ask for this in 30 days and if they don't comply then what do I say to the CRA to get it off, or should I not wait for the verification since I know they don't have it! I never signed a thing saying I would pay anything not covered. Should I just go right to the CRA? Hope this makes sense and thank you in advance if you have any advice!

Thanks. How does a file split? So, opting out or freezing makes the inquires disappear..or it is a glitch? I had the inquires last week..

Opt out meaning?..I forgot what that is. ty

Why would someone have no inquiries on there EQ all of a sudden? Is that what a freeze is? And what does this mean? Alert(s) File Blocked For Promotional Purposes

NATIONWIDE NEW M-NY ONE NATIONWIDE PLA COLUMBUS , OH 43215 (800) 882-2822 I can guess it is Nationwide Insurance but what is the New M-NY? Also it is a soft yet says permissible purpose... Any info would be greatly appreciated.

Customer Service Rep to me, just now.

Yes. That is what they just told me, I would not allow her to pull my credit as a hard for a GLI. Sock drawer for Macys me thinks.

http://creditboards.com/forums/index.php?s...=429545&hl=

Googled it: TU Phone: 800-916-8800 How to reach a live person: Press 3 Speak "No" Hours of Operation: Mon-Fri: 8am-11pm EQ hope it works 866-640-2273 - Choose option 3, then press 0 and wait HTH someone and hope it works.

My brother denied credit. He cant see his EQ or TU online. He called and the EQ run around doesn't get him the report. TU is now doing it too it seems. They really should get in trouble for this. Remember when calling a CR and getting someone and getting your free report when you were denied credit? Any real person numbers or what should he press to get the reports which he is entitled to for both Tu and EQ? As per my own post months back, I never did get EQ on the phone and just dropped the matter.

I don't think it will change much. How many people left BOA after that Mom made that video a while back? Remember, where they didn't care that she took her money out? I will try and find the link if needed.

So are you all saying that they can't report to CRA since they never validated, or are you saying that if they do you can have it removed since u can prove they never validated?