I have 4 bills on my credit from doctors vists. they are for my daughter. They occured in 06 but show as 08. I need to apply for a fha loan and my score will only get me fha. These 4 things are the only neg. things on my report in 08. I really need to know the exact steps to take. I would like to get them to update the date at the very least. So far there has no contact been made between me and the ca. I did dispute on cra but it came back verified. That was back in june. Please help. I do know from reading why chat it is so important to do it right the first time. thanks everyone for your help and kindness. angie

I don't know how you disputed back in June, but here is what you need to do NOW.

Opt Out
http://whychat.5u.com/OPTOUTINST.HTML
If you have moved since the dates of medical service, try to get your old addresses deleted.

Send any CRA where any medical account is reporting THIS: ( follow ALL the directions)
http://whychat.5u.com/hipaadisp.html
If the accounts are verified, send the reporting CA's this;
http://whychat.5u.com/ltrcavalhipaa.html
And follow up with this;
http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE