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helpmewithcredit

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  1. You have not followed ANY of the instructions to get a deletion, and you may have in fact hurt your chances of getting this account deleted from your reports. You need to start over. Opt out http://www.whychat.5...OPTOUTINST.HTML If you have moved since the date of service, try to get your old addresses deleted Send this to each CRA where the account is reporting http://www.whychat.5.../hipaadisp.html You MUST use a "REAL" report with its own ID #To order, visit annualcreditreport.com,or call 1-877-322-8228 Come back to THIS POST for further instructions AFTER you have the results from the dispute letter. Well, I did that letter with other medical collections and Experian sent me this letter (Letter from EX saying they received "suspicious request regarding your personal credit information" EX determined it was not sent be me.): http://creditboards....8 Do I go ahead and send the above letter anyway even after receiving that response?? Or do I need to address that response I got before I sent another Pre-HIPAA letter? The idea is to dispute ALL medical accounts with ONE dispute letter. Yes you have to respond to their request for proof that you are whom you say you are. Send back a letter to them with a copy of THEIR letter and state that you are enclosing proof of your identity as requested and to please delete account # xxx from your report. Include a COPY of your drivers license, a COPY of your SS card and an ORIGINAL recent utility bill. WILL DO! THANKS! I sent out that pre-Hipaa letter before this hit my credit which is why it wasn't handled with the original dispute!
  2. You have not followed ANY of the instructions to get a deletion, and you may have in fact hurt your chances of getting this account deleted from your reports. You need to start over. Opt out http://www.whychat.5...OPTOUTINST.HTML If you have moved since the date of service, try to get your old addresses deleted Send this to each CRA where the account is reporting http://www.whychat.5.../hipaadisp.html You MUST use a "REAL" report with its own ID #To order, visit annualcreditreport.com,or call 1-877-322-8228 Come back to THIS POST for further instructions AFTER you have the results from the dispute letter. Well, I did that letter with other medical collections and Experian sent me this letter (Letter from EX saying they received "suspicious request regarding your personal credit information" EX determined it was not sent be me.): http://creditboards.com/forums/index.php?showtopic=488099&st=0&p=4653608entry4653608 Do I go ahead and send the above letter anyway even after receiving that response?? Or do I need to address that response I got before I sent another Pre-HIPAA letter?
  3. Okay, so I went to this chiropractor after hurting my back. When I was done seeing him, I got a final bill for $294.90. I paid in full on 4/13/11 (although the billing lady accidentally charged my card for $294 even so they dropped the $.90 off the bill). I have receipt showing $0 balance and my charge card receipt for the bill paid of $294.00. Then, I get another bill for $44.84. This bill is from a "balance forward" from 3/31/11 of $338.84. There was never a $338.84 balance when I paid the bill 14 days AFTER 3/31/11. This bill looked like I paid the total bill in part leaving the $44.84 left over (yet, shows it billed 4/13? or something). How can a balance be brought forward from 3/31 YET be billed 4/13? At first, I just thought they were in error and made a mistake because I paid the bill over the phone and they mailed me the receipts. I never saw them on 4/13. But, after receiving several of these bills, I faxed a letter on 10/16/11 along with the statements I had showing $0 balance and asked them what the bill was for. I got NO response. But, the bills kept coming. Then, I got one that showed a "rebilling fee" of $10 on top of the $44.84 making the total owed $54.84. It also had a handwritten note stating I need to take care of this before further collection actions were taken. I decided in order to make this go away, I'd pay the $44.84 (I wasn't going to pay the rebilling fee because they never answered my question for explanation). I shouldn't have paid it at all, but like I said, I wanted it to go away. IN the memo of my check I noted that I never received explanation of this bill after full payment was shown. About a week later, I got a collection letter for the $54.84. I ignored it since I just paid the $44.84, I thought surely they would drop the whole thing. NOPE. On my credit report (AND MY HUSBAND'S WHO WAS NEVER A PATIENT), I find the $10 collection show up. So, I filed a complaint with the BBB. I included the all the statements I had showing their crazy billing, the fax I sent (with fax confirmation sheet) and the tradelines on my report and my husband's. They did not respond to the first deadline (yesterday). The resolution I asked for with the BBB was that the company consider the bill paid in full and drop the $10 collection removing all negative tradelines from the CRA for me & my husband. I think that's reasonable considering I paid a bill I don't believe I owe. A second notice has been sent out from the BBB. Meanwhile, I sent HIPAA letters to the CA and I just got the green card back. In my husband's case, it's not even his bill. And in my case, I don't believe I owe a bill. Should I go ahead and send letters to the CRA now? And what letter is appropriate in this case??
  4. It's got to be my pre-hippa letters. And I don't think I included a utility bill, but there was a driver's license.
  5. Here's the note: "We received a suspicious request regarding your personal credit information that we have determined was not sent by you. This could be deemed as deceptive or fraudulent use of your information. We have not taken any action on this request. Any future requests made in this manner will not be processed and will not receive a response. Suspicious requests are taken seriously and reviewed by EX security personnel who will report deceptive activity, including copies of letters deemed as suspicious, to law enforcement officials and to state or federal regulatory agencies." Okay, I've been in the process of disputing lots of things that should be changed on my report. Meanwhile, back in NOV, a realtor convinced me to apply for a mortgage (knowing I couldn't get one) in order that they "help me" with my credit. What a crock - they didn't help me at all so that was so dumb on my part to fall for that. I really thought they were going to work scenarios to show me what needs to be paid, what needs to be removed and what was the best method to get my score up. OH WELL. Anyway, a few weeks ago (maybe a month or more), I got a fraud alert from them that someone had gotten into their system and they recommended putting a fraud alert with each CRA. I read here that if you are monitoring your credit, it might not be the best idea. So, I didn't put one on. Now, I get this letter. 1) Can I find out the information IN this suspicious request? 2) Could they have taken one of my disputes as a suspicious request? (Not entirely sure what one is) 3) Is there anything I should be doing with this information from EX?
  6. Okay, dealt with a similar situation - USA Funds. Get a letter from USA Funds (which you request through Sallie Mae) that your loans have been rehabilitated and that all negative credit reporting will be removed. I got a letter like that and immediately sent it to the CRA to have USA Funds removed. That letter was IMPARATIVE. And USA Funds has been removed. Of course, I haven't had the same success getting a letter like that from Sallie Mae and getting those original tradelines removed. I first faxed Sallie Mae the negative tradelines with a message to have those removed. I waited....nothing. So, I went back to the original Ombudsman (who helped me when the CA tried to force me to consolidate before rehabilitating) to tell him I can't get a letter and I can't get those tradelines off even though the new Sallie Mae tradelines are showing up. He had me send him the tradelines (both the new and old) and said if he thought I needed to file a new complaint, he'd let me know. I'll check back with him Monday. Plan on fighting this another month or two. I just keep working on it - the SQUEAKY WHEEL gets the grease!
  7. Okay, that's good because 3 of the 4 don't have CA and 1 of the OC shows a zero balance. So, now to get the CA off for one of them, and 3 to show $0 balance. At least that's a start in the right direction I hope.
  8. I will keep that in mind. Some are saying that if the OC show a $0 balance with the balance "written off" or "Charged off" and NO CA showing up on the report, then what do I owe and who do I pay? Many times the OC won't take a payment at that point. Does that change anything?
  9. I looked up Homepath and found 640 credit rating to qualify. Then, I called USDA and got the same answer 640, but they seemed like it was so heavily based on the score, that they wouldn't care about old debts.
  10. Okay, you guys answered before I got my question up. So, I will start checking into this more closely.
  11. Okay, so you are saying if the JDB is gone (or never existed), then there should be no one to pay. Hmmm....hadn't thought about that. But, maybe that will work, because I only have one JDB listed right now.
  12. Update: The Ombudsman called me yesterday. Very interesting slimeball move by the CA. They told the Obmudsman that "yes" I was in a rehabilitation, but that 2 payments during the last nine months were never made. They would have been more than willing to transfer my account back to the DOE, but I never finished the rehabilitation program. That is so stupid because I immediate got all my bank statements showing ALL nine payments in nine months and emailed it to the ombudsman. Did they really think they would get away with that lie? So, since they admitted to me being in a rehabilitation program and admitted they would have been willing to transfer the account back to the DOE, it should happen now.

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