codeyell0

Yup I hit edit and??? Thanks for adding value.

I used to spend much time in here learning but since I cleaned up my credit I have not kept up with everything. So here is the back story. I was with T-mobile we got a new phone the phone had a defect this was during covid so fixing the phone took a few months. Had to do everything over the phone. In the end we were told its a phone issue we don't carry this phone anymore because of this. We go to get a new phone and they won't send me a NEW phone only refurbished saying my phone was used. So after fighting we left. The day we left they locked us out of our account and never sent any paper bills. We fought for months trying to get copies of bills and the only thing I ever got was the final bill. No details I could also not pay online anymore and was not paying a bill I could not see the break down. I requested bills 5-6 times easy. Nothing. They sent me to collections. I asked the collections for a detailed bill or the last 4 bills as we left in say October but I was being billed for 4 months after. They couldn't do that and they never moved forward. 3 years later if not 4. I see collections hit my credit. I have never heard from them. I had to call to find out what or who they were. They must have bought the account in september. I did request all documentation. But I know in the past when you dipute validity all they don't really do much of a verification. Since I'm so far out of the game. And I bet new stratagies. Looking for advice. IF I never got anything from the new CC and they went straight to my credit (is that something). I assume they will say we sent a letter. no proof. I would just pay it but from my experience most CC won't delete. Agents I have spoken to have said to me I wish we would more people would pay. Maybe this is no longer true.

We switched carriers August 1st and have recently been sent to collections. We did notify them of leaving. Tmoble said go into a store to pay. we did and they had no account for me. We called many times. I do owe them money for last bill and remaining owed on devices. I am happy to pay but we tried and they would not take my money. I would never have left them but, we got a bad phone from them, right before covid hit. and we worked for months trying to get it fixed. Finally they said we need to replace the phone there is an issue with this model and the 5g antenna doesn't work. They then sent us a refurbished phone. I said no I want a new phone my phone was new when it was broke I'm not paying full price for a used phone. we sent both phones back and they charged me for the phone for months we called and each time they said they would remove the charge finally they removed me from paying but I asked for my money back and a supervisor said why should we give you all your money back for a used phone. I stated it was broke when I got it. this went on for a while finally I had enough and left. Funny in october they refunded me my money after I left.

We left Tmobile and switched to another carrier. We tried to make payments but no one could take money on our account. We could not log in, we could not access as a guest. We could not see a final bill Now we are with a collection company. Tmobile charged me for another 2 months of service and says I owe way more than I do. the collection company said they will gladly get a copy of what I owe but in the meantime I only have x amount of time to pay in full to keep this off my credit. They said I can dispute the rest later. I made every effort to pay and I'm the one ending up in collections. I have made a huge effort to have no collection accounts. They said just make payments but they will report. Doesn't matter if I owe 1,000,000 or 1.00 the collection account is still a negative. Collection agencies seem to never remove accounts they just say we will just report 0.00 balance. Not sure what recourse I have, or what I should do.

I have been working to pay off my credit cards and loans. I have been wanting to refinance my house to do some home improvements and wanted to remove my pmi since now my home is worth more than double what I paid for it. I have tons of equity and in need of some major improvements I finally paid off all cards last month and my credit monitoring shows basically all paid but maybe 1. score shows it went up over 115 points all around I check multiple sites even discover fico they all show paid. I speak to a loan company and as he pulls my credit says i show nothing paid off yet. How can I see it as reported and he says all 3 are showing not reported. I could understand the reverse as the free sites could be behind but the direct sites are behind?

I'm asking because of thing that happened in the past that might happen again I am expecting my second child and i'm preparing for delivery in the next couple months. and last time when we had our first child the hospital was horrible. (ok maybe not horrible but still) 1. after c section they never checked on my wife and when someone finally showed up she was dripping blood from the bed she sat in this for a few hours. someone was supposed to come and help her but nothing so they finally got her out of bed and changed everything 2 then everytime my son was needing fed they would roll him into the room and leave but then leave him like 10 feet from the bed my wife just had a c section she can't just get up this happened numerous times. one time she didn't go back to bed because she couldn't get in it. the nurse came in and was like why are you sleeping in the chair. so she told her 3 we were told no kids under 10 but if so only for a few minutes people nextdoor seemed to move in the whole family for 2 days literally they ALL slept there like 6 people kids running up and down the hall nothing said to them other small things stemming from poor care Nothing might happen BUT. Has anyone negotiated lower price for poor care? if your going to bill me for something I should get it. I'm going to stay longer this time.

I am really tired of balance billing. Always getting little bills months later for this or that. I'm about to have my second child and last time i know I got lots of bills (which i hate Can't they lump it on one bill) from the hospital. from lots of stories of how people did everything they could to prevent balance billing they still get hit. Can I make the hospital sign something? I will not pay for out of network services. I'm coming to a in network provider I can't control what they do. seems most hospitals even though they are in network employ out of network Doctors. I personally think they should be paid as employees and not separate entities.

Very close but my colection guy was way rude. Thank you i guess they give up if they don't get money right away.

I got a call from someone saying they will be serving my wife with papers tomorrow will i be home to sign for them. if not then it will be considered a failure to appear. she has 72 to hours to appear or something. I tried to get info he gave me 855-313-6051 and a folder or case number. So i call ARS is answered and they give me to someone who then sends me to the person who has my wifes file they ask who i am i said the husband. NEVER ASKS FOR INFO no SSN nothing just starts giving out info They tell me who is suing my wife and the amount. did we not get the summons or letters back in march i said i just got a phone call they said oh thats from the process server. I said well i'll have to look up that account and the date on it. he said most people try to blow me off why do you care about a date. I said for SOL I believe this is past SOL. He said we are not a collection company, we are a law firm, you ARE being sued. Then said i'm too ignorant and annoying him and said he is going to hang up now. So i look up the number and see complaints So i called back and asked for company info they refused to give me any company info. i said i'm just asking for company name and main office address maybe a website they can't give me any info they are a switch board and there are multiple locations blah blah I said you must give me legally identifiable information, which is required under the FDCPA, she said i don't have to give you anything and hung up. These guys must be bottom feeders? lots of scare tactics and lies I thought they can't really lie about who they are or whats happening? ​and last they definitely can't give out information to me without some sort of identifiable info DOB/SSN something. Right? This is a new tactic for me. BTW my wife said someone did call two years ago trying the same type of thing but said they were a police officer trying to serve papers to an address we didn't live at and such. Can't they get into trouble for saying they are law enforcement?

I someone told me they can't garnish wages if your making payments. If i say keep sending 25.00 a month can they do anything? is there a minimum i can send where if they accept they can't do anything?

I was never notified i just got an alert on my credit monitoring and noticed the company name. I have not received anything from them in a long time. this debt is about 4-5 years old now. any letters i should use to write to either CRA or CA? I would contact the credit CRA but not sure what i would say they always seem to be in favor of the CA. the only proof i'll be able to find will be a credit report with them listed and a later one with them not listed

Let me say thank you for all your help i went from 500-710 and was able to get my house. Now i'm almost 100% sure on this. I had gotten this account removed after much fighting. I know for sure they were removed down to TU or EX only. Then they were gone completely for what seems like a year. Now that I got my mortgage, I now see this company back on all 3 stating date opened 2/1/2014 this is WAY older then that. it says date opened but only appeared on my credit report this month or late last month. Since i got the house my credit has been the least of my worries. (I could care less about this now too, since i got my house and all the credit cards I need, but I did pay someone to remove this) I am currently looking for old credit reports where this company was on there. its been a while, so I can't seem to find any yet all paperwork is in boxes lost in stacks of boxes under my wifes stuff. I did find my mortgage report from march but this is not on there even though it says opened 2/14 I can't for sure say My fighting removed them since I never got letters saying x was removed things would just disappear. this is the only one to come back. General Revenue Company. Do accounts just disappear without being removed by the CRA? I wouldn't think so.

usaa ccmp i thought you had to call in everyday.

I see lots of older posts. I had credit check total then they closed that. most posts were from 2013 and was looking for a more updated list since things keep changing all the time. i need to keep checking for the next few weeks when my credit card companies will update so i can have my loan officer pull my new score. none of the companies can say when they update but most said 30 days from the last time. freescore only allows 1 once a month pull. credit karma pulls every 2 weeks about i'm not trying to wait to long loan officer needs to know as soon as possible to score me.

Thank you very very much!!