Please help! I have two medical accounts on my credit report that are showing up as a paid account/was a collection account, insurance claim or government claim or was terminated for default. This are from 12/02. I paid them before the collection agency reported them to my credit report. I have requested the information from both CAs stating that the account is paid in full and as of what date it was paid in full. I am in the waiting period for this proof. Should I go ahead and send a DV to the CAs without the proof and a dispute letter to the CRAs without proof or wait for the proof and then send everything at once (the DV to CAs and dispute to CRAs with the proof)to try to do the 1-2 punch?
I also have another bill that is unpaid that I do owe. (showing up as collections as well). Should I try the 1-2 punch with this CA and try the "not mine" theory after I pay the bill or not pay the bill and try the 1-2 punch? Maybe I am a little confused on how this whole process works. I feel as though I am grasping it though.
Please help... Thanks for any and all info-it is appreciated!
wife of jparsley
