reklaw01

I called them and they "could have passed the costs on to all members for daily pulls" but this limited pull option is better....yeah, right. I told them bluntly I need daily pulls to check the status of my disputes against unruly creditors and they said if I was working with a law firm they would "allow for additional pulls" at no extra charge. What a crock!

After following whychat's HIPAA process (thanks very much whychat!), I'm not sure what to do next. Had medical account I wasn't aware insurance hadn't paid. No contact from OC or CA. Found it being reported by OC and CA with all 3 CRA's. Confirmed relationship between OC and CA in initial dispute letter with OC. Have had no contact with CA. Sent second letter with remittance for full balance of account to OC per process. Received return receipt from OC and they removed their TL's from all 3 CRA's. CA's TL's were also removed from EQ and TU. Sent folow up letter to OC showing copy to be sent to TU. No reponse from TU (other than return receipt of letter). OC claims that as a patient, I signed a HIPAA release as part of new patient paperwork (possibly...too long ago to know) and that they can't force CA to remove the TL. CA's TL shows zero balance now but has following status: Paid, was a collection account, insurance claim or government claim or was terminated for default. Is this a violation? What should the next step be?

Apologies for not being clearer in my initial post. My question is, would the CRA's accept (from me) the argument that the CO is invalid since Chase owned the debt and I have had no interaction with CapOne? From responses, it appears that Kohl's has covered this scenario in the terms of their cc by allowing for different company (CapOne) to manage the "Kohl's credit card". I have no idea as any old statements with terms are long gone. Since my post, I received a letter from Kohl's with a balance due of $115 (no idea where they came up with this number). My credit report shows zero balance from all 3 CRA's. Tried calling Kohl's to have TL removed or marked something other than "bad debt & skipped" but they aren't willing to budge. Suggestions? I guess I could dispute with CRA with the fact that the balance is incorrect but that could backfire. It's reporting zero with them now so why give them ammo to make it worse?

Need some direction on how to dispute this one.... Had a charge-off with Kohl's and settled on 02/10. Sent DV letter to them recently and received response: "...thank you for contacting about the above-referenced...account issued by Capital One, N.A.". They went on to validate charge-off. The alleged charge-off was completed in 2010. Capital One didn't own the rights to any accounts until 2011. At that time, Kohl's credit cards were being administered by Chase. Would CRA's accept this? 623 letter? Thanks

Need some direction on next steps to take. Following whychat's HIPAA letter program. Sent letter CMRR to OC with insert (a) and cashier's check for paid in full amount with copies of wording on back of check. Received card back so check accepted. Sent follow up letters CMRR to OC (and to one of CRA's) and received card back from OC. OC contacted me by phone claiming they attempted to have CA remove the tradeline but CA told them "it was state law and would remain 7 yrs...blah...blah...blah". OC is a small business and are likely intimidated by the letters I've sent. They also stated that, as a patient, I signed a standard HIPAA release letter (probably did...I don't have a copy of it). I have NOT communicated with CA in any way. Please advise next steps.

Using whychat's medical dispute process. Sent remittance (which was truly owed; insurance failed to process timely) to the HIPAA COMPLIANCE OFFICE of the HC provider,CMRR per instructions but they haven't accepted it yet. Have scheduled second delivery via USPS. If letter/check comes back to me, is there another means to get it to OC (process server?).

Have account with retailer that shows settled with EX and EQ (from 1/2010). Began with a billing dispute where I paid all but $115 with OC and closed account. OC is unable to provide statements for my closed account. Suggestions on getting entire TL removed? Tried 623 letter but no response.

Maybe I jumped too quickly. Chase offered me 0% interest on my cc balance if I agreed to monthly auto bank drafts. Started 10/11 and I've been watching it closely but everything appears as they said. Down to under $8000 w/ $250/mo payments. The account is closed (by creditor) which is putting the hurt on the debt-income ratio, but nothing else adverse. Little danger they can pull much more from my checking since the balance is kept low anyway. All done by phone which is a concern that they can change the terms at any time. Should I get in writing or let sleeping dogs lie?

From everything I've read on here and other materials, it would seem there's an effective way to trip up OC's, CA's and CRA's with the various regulations so that derogatory info is removed from one's account. I have 4 collection that are legitimate in that I incurred them (3 medical related that I should have paid attention to unpaid insurance claims; 1 for an alarm system that I disputed services on but failed to formally in writing dispute with the OC). At first, I tried the full payment in exchange for deletion (before I knew there was a PFD process that exists). The OC's and CA's aren't biting. They will accept settled $ but no removal to tradelines (and won't sign a mutual non-disclosure agreement that would allow me to get TL's removed by their not validaing in 30 days. I also have a mortgage (current) with multiple 'over 30' notations that I can't get the OC to change and I've tried several approaches: goodwill letters/calls; section 623 failure to provide notice that 'late' payments are subject to CRA reporting; threats of nonpayment and foreclosure that would add to their glut of foreclosed properties - all to no avail. The 'over 30's' on the mortgage and the CO's are keeping me from a refi. FACO's are in 670 range and debt to income is not that bad. Sorry for rambling...my question: All this takes a huge amount of time and energy with little to show. All I want is the good score. Any monetary damages I can live without. Is there any legitimate resource that would provide, on a contingency basis, credit repair for correction of otherwise valid TL's? A contract wherein I turn over all info and allow third party to catch CRA/OC/CO in a violation and keep any damages (or I pay for each TL removal). Does anyone have any info on a service model like this? If finding violations is as lucrative as what I've read, it would seem that such a business exists. Checkbook out...any ideas?

Offer and a question... I called EQ (800 203 7843)and TU (800 916 8800) directly and in my best 'Gomer Pyle' talked with agent to remove old addresses. I purposely kept it vague and didn't say "never lived there". EQ and TU removed them without question. EX is another matter. They told me removing former addresses couldn't be done if TL's were attached. She provided me a list of TL's on my credit report (12 of them). Afterwards, I looked them up in my report and they are all closed, good accounts. None of them have any activity in the last 7 yrs though so shouldn't they fall off my report, letting me then remove the old addresses? I'd hate to contact them to update an address for a closed account just so it's not tied to my EX report. Or should I dispute those TL's with EX?

Relatively small amount ($153) on a store cc that isn't even showing with CRA's but was bought by RJM Acq in 2011. DOLA with OC is 2005. Is SOL (SC) relevant here? Or since it was bought by CA, does that set the SOL to their purchase of debt in 2011? OC won't budge on PFD and doesn't seem to care; RJM will validate debt but not willing to deal either. Open to ideas...

I have an account with Capital One also. Sent PFD to their CA (CBE Group) but no response. So I called them (yes, I know risky to get on a call with a CA). My PFD was for 30% of original bal of $530. Over the phone, they agreed to $220 (no idea how they arrived at that figure) after some discussion but would not agree to remove with CRA's. I even went so far as to ask if they would agree to non-disclosure to CRA's (so that I could then dispute it and they couldn't respond to validation)....no go. So called OC and since account is closed and charged off, they turned me back to CA! I'd go so far as to pay the entire amount if it meant a deletion from TL's....doesn't anyone want $$$? Ideas?

Current with Discover ($8000 balance) but barely able to pay the $183 monthly minimum. Every few months I've called them to get a lower rate to 3.99% but then they jack it back up to 26% and I call again. This has occurred several cycles but last time they refused to lower the rate. My question....I can't possibly pay the balance at these rates. Should I let it get 'over 90' then offer a 30-35% settlement? With that, I would want (in writing) a 'pay for delete' on the TL. Would they consider that as part of a negotiation? Assuming I could come up with $2400 and I understand I would incur a 1099 income for the amt not paid. Suggestions?

Not sure if I posted this in the right area or not, but I would like some comments/advice on the following strategy. I have a Marriott timeshare with a loan attached. Loan value is approx $17000 at 13.99% APR. If sold back to Marriott, they value it at approx $16000. Resale market is bad. Have tried unsuccessfully for last 2 yrs to sell it near my loan amount. Would like to negotiate with Marriott for return of timeshare in exchange for forgiveness of loan. Willing to even pay the diff if they are insistent. How to go about it? Or....should I default on loan, allow them to "repossess" it and deal with the negative tradelines after the fact? Suggestions? Thanks!

When I cancelled my cable service, the OC had me on two accounts. One of the accounts was the exact same address with one exception, the apt number. It had a balance against it and they realized it was an error. OC promised to clear it out and I was not to be concerned. Now getting threatening letters from CA for balance. Have written OC and have operator ID's from phone conversations. OC agrees that this was a billing error on their part but continues to (ineptly) keep the old balance on there and turning their CA on me. Do I have a case? What should I do next? Thanks!