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About Dani_girl57

  • Birthday 09/17/1975

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  1. I'm disputing some items on my credit report. They are different companies but should I send a separate letter for each line or just list each company/acct # and reason in one letter to each Credit Bureau? I have separate letters for each--CMRR and notice that its a little pricey if I send individual letters for each account to same CB. What do you guys think?
  2. Are there any sites that offer free credit scores from all three bureaus? I have my reports but would like to have my scores.
  3. Thanks OP for this thread. Applied for the Capital One and got approved for $300. It's a start for me. So use to getting denied .
  4. Decided to try and dispute some paid collections on my report. Sent the Original Creditors letters asking if they could remove the items from my Credit Report and they sent letters saying that "the information is reporting accurately" or "they can't remove information being reported to the credit bureaus". So after disputing with Credit Bureau--Equifax sent me the following: Paid as agreed accounts that have been paid in full will automatically be deleted ten years after the date of last activity. Adverse accounts that have been paid in full will automatically be deleted seven years from the date of last activity. I would like to post a screenshot of the report so that everyone can get a better understanding of what I'm talking about. How do you post them? I tried to insert pic but it's asking for a url.
  5. Before you pay, read over my thread I started some time back regarding Medical Collection Accounts. WhyChat and some others really help me out, step by step and eventually ALL were deleted using and following WhyChat's steps & letters. I was so delighted and happy. Read over it....post if you have questions. But refer to post #2 by WhyChat. Start with opting out and deleting old addresses. I did that step first before jumping into the rest. Hope that helps.
  6. Hi Beli, On my Equifax report they are listed under the "Negative Accounts, Accounts that contain a negative account status, Closed Accounts" category.
  7. Hello All, I spent quite some time in the Medical Collection forum and delighted to report that after following WhyChat steps and a host of others adding helpful information, I was able to get those collection items removed . Now, I hope this is the correct forum for the questions I have. I'm going to provide as much information as I can so that y'all can help and understand where I'm coming from and what I'm trying to do. I correctly have the following accounts on my credit report showing up as Negative Accounts that I'm trying to remove. They were charge-offs but all settled. I contacted each company and received a response from them. How it's Showing on Equifax: Date Opened Balance Date Reported Past Due Account Status Credit Limit CAPITAL ONE BANK USA XXXX 10/2004 $0 11/2009 PAYS AS AGREED $ 200 First Premier XXXX 12/2006 $0 11/2009 Charge-OFF $250 HSBC Bank 3/2004 $0 5/2010 Charge-OFF $500 Verizon 8/2000 $0 11/2009 Letter received from Capital One: We've verifed that the information on your credit report matches the information in our records. The above referenced account is reporting correctly as Settled in Full with the R5 rating. Additionally the agencies retain your account information on your credit report for approximately 7 years. And they went on to provide contact information if I wanted to further dispute it. I basically contacted them not to verify the information but to ask if they could delete the information off of the credit report. Letter received from First Premier: Thank you for contacting us. We are unable to change information that has been reported accurately to the credit reporting agencies. And they go on to say I can dispute directly with a consumer credit reporting agency. My contact letter was for removal of this account also. Letter received from HSBC: This letter is confirmation that we are currently reporting your Account to the consumer-reporting agencies as follows: Account legally paid in full for less than the full balance. And went on to supply contact information. Letter received from Verizon: Unfortunately, we were unable to comply with your request based on the information provided. If you have further information you would like to provide us regarding this dispute, please contact us at 1-877-325-5156. And they basically said nothing. My letters to each company was basically to delete the accounts off my credit report. And based on the what they stated in the letters, some are not showing up on my credit report as that. I also have a collection account for Fair Collections & Outsourcing that was settled. They have it listed on my report under collections as: Date Reported Date Assigned Date of 1st Delinquency Balance Date Balance Owned Last Payment Date Status Date Status 11/2009 (which is wrong) 11/2005 8/2005 11/2009 0 3/16/09 11/2009 P Comments: Consumer disputes this account information, Account paid for less than full balance. But I have a recent letter from FCO saying that the office received settlement in full on 3/16/2009. Therefore, this account is closed as settled in full. We have investigated your dispute and determined this account is valid and therefore will continue to report the account to the credit agencies as settled in full. Sorry for this longggggggggggg post but the bottom line of my goal is to get these items completely deleted from my credit report (or at least try to).
  8. I hope you can cancel OK, you could have received the accurate results by going on line to Eq. and clicking on "dispute" when you say you want to enter a new dispute your current updated report comes up. You sure are right Why Chat. Just went on Eq. and viewed it just like you said. And I just got off the phone w/Credit Check Total and canceled without hassle .
  9. Hey Everyone, Don't want to celebrate just yet but received a letter from Equifax yesterday stating this: The Results of Our Reinvestigation >>>We have reviewed your concerns and our conclusions are: The disputed medical accounts /xxxxxx, /xxxxx, /xxxxx, and /xxxxxx (those are the account numbers---didn't feel like typing them out) are currently not reporting on The Equifax credit file. The additional disputed accounts are not currently reporting on the Equifax credit file. So I went to Credit Check Total.com and signed up to get all three of my credit reports and scores for the trial price of $1.00 and but you must cancel within 9 days. So I check my credit report and I don't see any of the United Consumer Accounts listed for any of the three Credit Agency's. I even reviewed the summary area in the report. I'm hoping this report is accurate. It has report date: 4/29/2010.
  10. Ok. Got my green card back so this is the next step: As soon as you receive the green card back from the medical DV you send the CRA (s) The copy of the medical DV, with their name on it, this is why you must “Do a separate letter for EACH CRA that the CA is reporting to. †You also enclose a copy of the green cards used for the medical DV and you re-dispute the medical collection with this: http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE. So I send each Consumer Reporting Agency a copy of the green card and a copy of the letter I sent to the Collection Agency right? Along with this letter: http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE which will be address to each Consumer Reporting Agency? Also this part is confusing me: send the CRA's the copy of the medical DV, with their name on it, this is why you must--do I do what I stated above or should the CRA names only be on this letter http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE? What I did the first time was send the CRA's the medical DV instead of sending it to the Collection Agency. But this time I sent the DV to the Collection Agency, received my green card and now I'm ready for the next step. So now, I must send the Consumer Reporting Agency's a copy of the DV letter I sent to the Collection Agency along with a copy of the green card and this letter http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE which will be addressed to each Consumer Reporting Agency? Sorry for asking so many questions but I want to make sure I'm doing it right. Thanks for being patience.
  11. Ok...quick question. I notice in reading over the first letter, this sentence is listed: "Please attach copies of: Agreement with your client that grants you the authority to collect on this alleged debt,or proof of acquisition by purchase or assignment. and authorization". Previously I submitted them a letter asking for this information and United Consumers (collection agency) sent me copies of bills from the original creditor (the hospital) listing dates & amounts. And this was for each account I had listed. They didn't send anything "bearing my signature". So I'm wondering should I still proceed with this letter or just leave it?
  12. Ok. That's where I messed up. I sent the letter to the CRA instead of the CA. I will start over. Thank you so much for responding.
  13. No...they were deleted before I started the HIPAA process. Sorry if I worded my past post wrong. I sent each credit agency, separate letters, listing the accounts, using http://whychat.5u.com/ltrcavalhipaa.html for each. Equifax sent me a listing of all the United Consumer accounts saying that they re-investigated and the accounts were verified. It look like this sample here: http://images.google.com/imgres?imgurl=htt...%26tbs%3Disch:1 . Experian just sent me a copy of my credit report .

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