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lukegotswag

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Everything posted by lukegotswag

  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. 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.
  9. 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.
  10. 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!
  11. 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?
  12. 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.
  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.
  14. 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.
  15. I only have this one medical collection and so I have followed the steps from the CRA dispute and then the follow up DV to the collection agency. I will type below the response I received as I am clueless as to how to respond. My honest opinion is that I believe that if they had the information requested, they would not have had a problem sending again even though I do not recall ever getting this information in the first place. The last time I would have disputed this medical account would have been over a year ago so I still don't see the relevance in this reply and the lack of sending what was requested...their response was as follows: Lukegotswag Address RE: Account #: Debt #: Balance: $907 Dear LukeGotSwag, Our office is in receipt of your letter of dispute and request for verification. However, our records indicate we have previously provided you with the documentation your requested (which i never recall). Under the Fair Debt Collection Practices Act and/or the Fair Credit Reporting Act, there is no duty to provide documentation multiple times or provide verification after the validation period under the FDCPA has expired. As we have preiviously fulfilled our duty to provide you with verification, we will not respond to any such requests in the future. Sincerely, JDB Administrator Phone # Collection Dept Wondering where do I go from here as I honestly feel like this response is from someone with a chip on their shoulder...or maybe its just my too deep thinking. Do I have any recourse here? Thanks in advance for any response.
  16. I was looking to see if anyone had any payment experiences with this specific collection agency, whether good or bad outcome.
  17. bumping for anyone's personal experience with CBE Group....
  18. Had an old wireless account with Verizon within SOL sent to CBE group (I verified this based on the recording while trying to call Verizon). I was told this basically had to be paid and based on research here and other forums, I haven't seen where anyone was able to get Verizon deleted in reasonable amount of time when listed under Verizon as opposed to a collection agency. Keep in mind this is Verizon reporting as Verizon and CBE not reporting at all. Anyhow, I settled the balance for 40% and was instructed I would receive a letter stating that it was fully settled and they would also update the original creditor (Verizon) so that they can update to a 0 balance. I am aware this doesn't get it off with Verizon, however, of the most importance now is getting that letter of settlement. I have only settled with one collection agency in my entire time of repairing off and on since 2009 so I had a moment. Now I am just beyond nervous waiting on all the follow up things I need due to them not being able to provide beforehand. I moved all money from the account I used to avoid double charging, etc. I had confidence due to Verizon stating CBE as being the collection agency on their recording, however, I guess I'm still a bit nervous. CONSOLE me CB!
  19. Good morning CB, Just wanted to check in on you guys prior experiences dealing with Franklin Collection Services. I was just scrolling through past posts and they are pretty limited in reference to Franklin. This is for an old AT&T bill supposedly in the amount of $190. Any intel would be useful before I DV them, especially if previous experiences usually end with them providing necessary documentation. Honestly just want to just pay it and be done, however, I would love to rid of the notation of the collection at all. Chime in with what you may be able to offer guys. Thanks in advance.
  20. Almost a year later... did you have any issue with this account showing back up on your report through anyone else. Getting ready to approach this same situation. Thanks in advance.
  21. I am attending University Of Phoenix now while working a full time job at a Fortune 500 Company. One of my co-workers just finished his undergrad at DeVry and walks for graduation in July. These schools are the perfect option for people with jobs that need a degree to move up and cannot attend brick and mortar schools. I did two years undergrad at Morehouse College, and when my wife became pregnant with our children, had to make adjustments. I have recently, 10 years later, decided to finish my degree to position myself for promotion within my job and to set the example for my children. Tuition reimbursement plays its role as well. Me and my colleague are pretty well versed and both have had experience in brick and mortar colleges and universities. Our only complaint is the cost, but they charge accordingly because they understand the value of the convenience. The content being taught so far I can actually put to work immediately in my current work setting when it comes to Critical Thinking in Everyday Lives (Humanities course) and Becoming A Master Student (Another Humanities course I've taken). I pay very close attention to the scrutinizing as well as the outcomes and I am even aware of the aggressive practices that UOfP at one point was under fire for when it came to recruiting military students (doesn't apply to me). Anyhow, there are situations that are convenient to many, and I am thankful for a schooling opportunity that allows me to still provide for my family and push forward. One thing that I will definitely say is that the most difficult thing for me personally is the balancing act and adjusting to being a student at this point in my life. I am so focused at this time and honestly I believe it is stories like mine and Jill that keeps some of these institutions open. I like to review each for profit school on an individual basis, because to simply conclude that because a school is for-profit that it is a diploma mill, is definitely not an accurate statement. That is supported by the number of students I have ended up in class with who was taking their second swing at some of the classes, and I wasn't even in my major relevant classes yet at that point. Good luck to anyone pursuing and honestly, just do your research before taking the plunge.
  22. From experience, it would be safe to assume this... If you request a specific amount...and you get it.... after accepting.... log back in and request again... you haven't gotten the most they will give you until they either deny repeatedly OR counter with an amount under what you ask for. Then I would let a statement or two go by...then wash, rinse...repeat... Hope that helps...
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