huntinbluetickstyle

What is the next step for my DH medical disputes??? I don't want mess up. TIA..

Hey there, I used Whychat's Hippa process. I can't believe TU has been soo easy to deal with. When I started with my credit repair I had 47 tradelines....now I'm down to 32. Mind you, not all of them were bad. But I still have allot to do. Good luck on your credit repair.

I'm still learning but I figured I would chime in until the experts give you more advice. I would say start disputing the bad addresses/names. You can go online to each of the CRA's and do it. And I found out for Experian, the best thing to do is call them. They are just plain stubborn. Good luck on your credit repair. Also with the green cards, when they sign them they are torn off right then by the postal worker and taken back to the office. They have to have them that day. They are accountable for them. So there can not be a delay in sending them back out. I hope that makes sense. So I really can't explain why they printed your report before they received your certified letter.

Update 2: DH REPORTS: Exp--disputed 4----2 remains and 1 updated TU--disputed 4----3 removed, 1 new info EQ--disputed 6---1 removed and nothing was mentioned about the remaining 5 accounts. What should I do next? Thanks for the great advice so far.

Update: I'll try to keep these seperate. MY REPORTS: I received back a letter from Exp and TU. I'm still waiting on EQ. So I know I have to wait until their repsonse.

Ok, I've received my first letter from Experian. It's basically a empty sheet of paper. The front states: "If you question the results of our investigation, then you may want to contact the data furnisher directly. Please refer to your originial personal credit report for the business name, address, and phone number of the source that verified the information." And on the back it states THIS PAGE INTENTIONALLY LEFT BLANK. I have been checking our CR everyday thru CCT. Here is what has changed: ME: Equifax----nothing....still showing disputing...which is fine. TU---disputed 20 TL's and 22 fell off. Experian--disputed 7 TL's and 5 fell off but they added another one that wasn't there???? DH: Equifax----nothing....still showing disputing...same as above. TU---disputed 4 TL's and 4 fell off. Experian--disputed 4 TL's and none were deleted. I know I have to wait for the other CRA's to reply. But my question is, I've already had one CA call me about an account that was NOT deleted and it's basically SOL. I told her that I wanted to communicate thru the mail. So she is sending me a statement.

What can you do if they are paid and satisfied judgements? I have 3 that are paid and they are reporting some wrong information.

I'm not for sure what the heck I'm doing. I ordered both me and my DH ChexSystems reports. His came back with nothing on it. Easy. My comes back with this information: Reported Information: Source of info--Woodforest National Bank Reported name--me Reported addy--my addy Reported ssn--my ssn Driver license and state--both mine RTN-gives some numbers Account--account number Date reported on 2/18/2007 Reported for--NON SUFFICIENT FUNDS (NSF) ACTIVITY, ANY AMOUNTS OWED HAVE BEEN PAID Orginial Charge off amount--982.66 Paid in full/settled in full date--3/22/2007 Can I dispute this and get it off my report since it's paid? Then I have 3 inquiries: Inquirer--All American Bank Date--8/21/2009 Inquirer--Woodforest National Bank Date--10/11/2006 Inquirer--Emigrant Direct Date--3/19/2007 Can I dispute theses? Or do I have to? The Woodforest one does have my name spelled wrong but the other information looks correct. And lastly retail information-- Date of check--1/02/2007 amount--36.00 date check paid--6/4/2007 payee--Walmart. Do I dispute this? I'm just really at a lost as to what to dispute I guess. Any help is GREATLY appreciated.

I have not posted anything about this account. I have not sent them anything either. They called me and said they wanted a payment and I said to send me something showing what I owed and they sent screenshots of the charges. Should I send them a letter? They are not on my CR yet.

I know this is a dumb question but I just want to make sure what I'm looking for. I had a CA call me and I said to send me an itemized bill to the charges they say I owe. So they sent me screen shots of my DH account (???) It has his patient id number, his name and then it shows balance and how much he owes. Then the next page is a breakdown of what the insurance company has pai and then it says VC(billing only) Is this what I'm looking for? Thanks for any help!!!

Thanks bonbonXO!!! I called this am and she was able to delete allot of the information while I was on the phone with them. I was also able to do my DH while I was on the phone with her. So now I can move onto the next step. I'll report back when I get a reply from the CRA's.

This is a dumb question but can you check to see how much your payment is a month? The reason why I'm asking is because my trial period ran out. I called them right before it was suppose to end to get a reduced monthly charge. Well I asked her if that was the cheapest she could do because my husband has an account too. So she ended up giving me BOTH accounts for 9.95 for 6 mths. I just want to make sure I'm being charged correctly.

I received a reply back. TransUnion and Equifax has deleted all information. Experian on the other hand hardly erased anything. Should I go ahead start the Hippea process or should I try Experian again? TIA

I hate to jump and steal a thread but how do you backdoor your report? LOL. I have not heard about this? I've disputed my names/addresses and haven't received anything either. Thanks for helping a newbie understand.

Thanks bonbonXO. As soon as I hear back from my name/address disputes then I will start the hippea process