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Wanttobe800

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  1. Along with some sort of letter, or just the AT&T receipt showing that the bill has been paid? Surely it can't be that easy to have this collection removed from my report...
  2. Thanks, dixiecup. What letters did you send to the CRAs once you paid it in full directly to AT&T? It doesn't matter what was sent, most likely. Until IC Systems has proof of payment, the result of a CRA dispute is likely going to be verification..... Pardon my ignorance, but if I pay AT&T in full, what will keep IC Systems from just reporting the account as paid/closed when I dispute it with the CRAs? That seems to be where the letters sent would matter...
  3. Thanks, dixiecup. What letters did you send to the CRAs once you paid it in full directly to AT&T?
  4. Thanks SBA - I looked and looked and I just cannot find a copy of my AT&T account number anywhere. Do you think mailing them the check is still the thing to do? If I do locate the account number, will AT&T zero out the account automatically? Then would the DV letter to I C Systems that Steven suggested get them to delete?
  5. Why Chat, thanks for the advice! Should I send the Pre HIPAA medical dispute letter to the three credit reporting agencies BEFORE paying these two accounts in full? Your guide says to wait until I receive the letter documenting a current relationship between the reporting CA and the provider, but your post above didn't specify. Or should I go ahead and pay in full with the HIPAA letter and insert "a" and send the Pre HIPAA medical dispute letter to the CRAs at the same time? Or do I need to send the dispute letter at all since there's nothing showing up yet on my credit reports? Once letters with insert "a" and full payment have been sent, if the accounts still don't show up on my credit reports, am I "clear"? To be sure, I only send the follow up HIPAA letter with insert "c" if the accounts are reporting AFTER my payment has been deposited, correct?
  6. I recently pulled my three free credit reports from annualcreditreport.com only to find out that I C Systems Collections had placed this "Individual Account" in collections. The OC is apparently AT&T U-Verse and the amount is $62. It was apparently placed 6/12/2013 but it didn't show up until I pulled the reports again this month. I never received a letter, call, email - not one form of communication saying I owed AT&T anything. How should I proceed?
  7. I recently pulled my three free credit reports from annualcreditreport.com only to find out that I C Systems Collections had placed this "Individual Account" in collections. The OC is apparently AT&T U-Verse and the amount is $62. It was apparently placed 6/12/2013 but it didn't show up until I pulled the reports again this month. I never received a letter, call, email - not one form of communication saying I owed AT&T anything. How should I proceed?
  8. I'm seeking guidance as it relates to two medical accounts that were turned over to collection agencies but are not yet reporting on any of my credit reports. Two separate medical accounts of mine were turned over to two different collection agencies. Last week I contacted the hospital where the services were initially rendered and the lady told me she can't work with me because the accounts have already been turned over to collections. She did mention that she might be able to work with me if I was able to pay in full, but I was skeptical of something negative still being reported, so I decided to get advice here before agreeing to anything. Moving on, one account was sent to BullCity Financial Solutions and the second account was sent to Financial Corporation of America. Neither one of these collections accounts have shown up on any of my credit reports so far, but I have no doubt they will at some point. I'd like to settle these debts before they start reporting to save myself the headaches of trying to remove them later. Can someone please advise how I should proceed? I wasn't sure what information was relevant, so if you need more information, just ask and I'll reply accordingly. Thank you for any help.
  9. Hello, I have a credit card account with Citi and I'd like some input/advice on how to possibly handle a goodwill letter for a late payment. The account has been open since March, 2007 and it's been in good shape except for a 4 month period in 2008. In June 2008, the account was reported to all three bureaus as "OK", but in July it was reported as "60 days past due" and then in August, September, and October of 2008, the account reported as "90 days past due". I have several questions regarding a possible goodwill request to Citi. 1) Any idea why the account never posted as "120/150/180 days past due", or do the bureaus just cap reporting at 90? 2) It's scheduled to go into positive status in May 2015. Is it even worth trying to ask Citi to goodwill these late payments? 3) What's the best way to request goodwill in this situation? Call? Email? Letter? 4) Does asking Citi to goodwill this risk them resetting the date of reporting or anything like that? I don't want to risk any negative consequences that I might be unaware of related to such a request. 5) Any other advice? Thanks very much and I look forward to my fellow CreditBoard members' insights.
  10. WhyChat, I backdoored Experian this morning and they removed one of the accounts. However, the second account remains and is no longer listed as being currently investigated. I also received a letter from Experian talking about what they do when medical bills are seriously past due and the second account that's still listed has a new "last reported date," a new "date of status" and a new "reported since date" all of November 2012, which is not what was listed before I initiated this dispute. Also, the letter Experian sent me misspells my first name. Also, the letter has a new report number listed at the top. Should I use that new report number when backdooring Experian or should I stick to the number I've been using? Also, the "payment history" section now shows a red collections box for NOV 2012 and that's it, even though this debt was paid off long ago. What should I do now?
  11. WhyChat, I checked Experian's website again this morning and they had one of the medical accounts listed as "currently being investigated." However, the second account had been listed as "currently being investigated" until this morning, when it was no longer listed as that and the date of collection has been changed to November 2012. When they first received my letter, the date had changed to August 2012, but as of this morning, it's been changed again to this month. Yet, neither one of the accounts have been removed yet. Do I continue waiting for the accounts to be removed? What exactly is going on with this date change of collections for the one account?
  12. Correct. I have the Citi account and it is still open. It is one of my older accounts, but I don't like seeing the late payment on my reports and would like to have it removed. Should I dispute it online or goodwill Citi to have the late payment removed?
  13. 30 days from the date of their receipt. I checked Experian's website today because they received my dispute letter on 11/3/2012. Neither one of the medical accounts that I wrote about appear as being "disputed". In fact, Experian changed the collections date of one of the accounts to August 2012. What the hell is that about?? Do I continue to wait 30 days?

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