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lukegotswag

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  1. So looking through the EQ backdoor, it appears the account is no longer showing under dispute. I am thinking this account will come back verified again. Just thinking ahead to know my next move when we receive results. What would be the next course of action to attempt deletion. Once again, thanks in advance WhyChat for investing time into this matter for us. When did they receive the follow up dispute?? So the dispute shows completed on July 25, 2017 saying that it was verified as belonging to me. I already sent the followup DV when I got this from Equifax the first time and didnt receive anything. Should I send this again like I am repeating the process from before, or is there a different step since I already did that. THanks in advance again WHyCHat.
  2. So looking through the EQ backdoor, it appears the account is no longer showing under dispute. I am thinking this account will come back verified again. Just thinking ahead to know my next move when we receive results. What would be the next course of action to attempt deletion. Once again, thanks in advance WhyChat for investing time into this matter for us. When did they receive the follow up dispute?? SHowing received July 11. Roughly a week later it finally updated through backdoor to show under dispute and that result would be available soon. That tag is gone on the account now but havent received notification of dispute completion through snail or e-mail as of this point. No changes to the account either.
  3. Congrats! This story will end on an awesome note Im sure. It only makes sense!
  4. So looking through the EQ backdoor, it appears the account is no longer showing under dispute. I am thinking this account will come back verified again. Just thinking ahead to know my next move when we receive results. What would be the next course of action to attempt deletion. Once again, thanks in advance WhyChat for investing time into this matter for us.
  5. Equifax updated to show the account under dispute now. Thanks for the reality check as well. Other news that the mortgage specialist provided me with was that medical disputes will not be held against us and that we can have up to $1000 of non-medical disputes in process with no bearing on our movement. This was awesome to learn as well. I will keep you posted on the status of the medical under dispute at this time.
  6. So I sent this dispute on 7/10 and it was received on 7/11. Since then I have been checking backdoor and not even so much as showing in dispute. Issue is we are under contract on a house and our closing date is scheduled for august 28. We have yet to have credit pulled again since Pre-Qual however I am reading that it is not good to have a dispute going at this point. What do you suggest. This collection is only on EQ. Your best advice Sir. Thanks in advance.
  7. I m dealing with this issue for diversified consultants on an old Sprint account. i paid sprint and sent them a similarly worded letter to Diversified. If they do not remove whats the next step.. I dont really want to sue but I do want this off my report. Whats my next step. Any input is greatly appreciated. How did this turn out for you? I just paid the account listed with Diversified to the original creditor in the store today at AT&T for a closed Uverse account. The balance is exactly the same as that listed with the collection agency as well. I plan on disputing immediately tomorrow if not tonight. it didn't turn out well.. I still have them listed.. if you have different result id love to know what you did. I got scores up enough to fulfill a goal i have but still want them off.. i have just shifted focus for time being. hopefully things turn out differently for you let us know how it goes So far I did an online dispute with Equifax the next day and when it asked if wanted to upload any documents, I uploaded a copy of the receipt and it was gone in like 2 days. We just recently did a dispute online with Transunion so we can't get into there to start a new dispute so I will be taking a snail mail dispute to the post office today. I'll post a copy of the letter we used afterwards as well. I have to find it. It was either at the start of this thread or another. But so far so good with Equifax.
  8. Going out today! I'll keep you in the loop! Sent from my iPhone using Tapatalk
  9. Been disputing a medical account for the wife that persists to hang out on her report. Only reporting to Equifax right now...honestly can't recall if it ever reported to the others. Anyhow, this was the roadmap in dealing with this account thus far: Credit Bureau dispute (using blue background form) - VERIFIED with the credit bureau Follow up DV to collection agency using letter in this program.. Unless we missed it in the mail (which doesn't really happen with us) never received any other follow up from the collection agency I can honestly say that I never got around to the follow-up dispute to credit bureaus that we are supposed to send after receipt of DV by collection agency.. The DV to collection agency hit the 30 day mark roughly around June 8 ...mailed on 5/5 and received 5/8 (I know... I kind of forgot about her entire medical dispute process) At this point I am wondering is there some sort of letter to send due to receiving no response from the CA, or if I should start the medical dispute process back over from the blue letter for this account due to the amount of time I let pass. This is her last baddie on the report and it is ONLY showing on Equifax. Thanks in advance WhyChat.
  10. I m dealing with this issue for diversified consultants on an old Sprint account. i paid sprint and sent them a similarly worded letter to Diversified. If they do not remove whats the next step.. I dont really want to sue but I do want this off my report. Whats my next step. Any input is greatly appreciated. How did this turn out for you? I just paid the account listed with Diversified to the original creditor in the store today at AT&T for a closed Uverse account. The balance is exactly the same as that listed with the collection agency as well. I plan on disputing immediately tomorrow if not tonight.
  11. WHyChat does it again! Deleted off Equifax....seen via backdoor. No word from Equifax officially yet. Thank you for your timely and custom advice Sir!
  12. Awesome tip. How do I verify that this is still in place. I know I don't get pre-approval offers from people unless its a company we have accounts with. For instance, we have Capital One cards and always get their mailer about being pre-approved for auto financing. Other than not getting pre-approvals, what is the best way to verify this?
  13. Thanks WhyChat. That is correct in that I was not covered at that time. Only thing I recall clearer is the wait was definitely longer than the time I was in the back, which I believe was probably less than an hour. smh. Either way I'm hoping the follow up dispute gains me some ground here. Well I certainly hope you have insurance NOW!! It is POSSIBLE that you were automatically entered into some kind of indigent program or that somehow your billing information got mixed up in their billing office. Have you obtained RECENT REAL credit reports?? Recent real reports....Yes. Just grabbed this year's reports from annualcreditreport.com not long ago. So I finally got that follow-up to Equifax fired off. In the event this does not budge after this specific dispute, what would be next on the road map. Under contract for mortgage scheduled to close on August 28 and this is a thorn in my side. I obviously would like it deleted as a whole so as to get the total maximum points from this as opposed to it being a paid collection or any other variation. Thanks in advance for all your advice being offered here.
  14. Thanks WhyChat. That is correct in that I was not covered at that time. Only thing I recall clearer is the wait was definitely longer than the time I was in the back, which I believe was probably less than an hour. smh. Either way I'm hoping the follow up dispute gains me some ground here.
  15. I will fire off the follow up dispute to EQ first thing in the morn. No insurance at the time and I recall going to ER once due to having a scare due to dizziness and rapid heartbeat... only thing that was done was being hooked up to EKG and basic vitals. It may have reported to Transunion in the past before I cleaned it up.. not totally sure, however, I just doubled back around and figured I would take another shot at it a year later, however, I still do not recall them sending me any sort of validation even back then. I can't see me not coming on here and asking what to do next. Please advise further, but in the meantime, I will fire off the follow up to EQ tomorrow.

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