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Wanttobe800

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Everything posted by Wanttobe800

  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?
  14. How long should I wait on Experian to take action with regard to my certified letter?
  15. Yet again, I'm sending my pre-HIPAA letter certified mail to Experian. I believe I finally have the correct address. Third time's a charm. Are you sending it certified ONLY or are you sending it with a return receipt requested. If so, send it certified only. Do you have your credit report?? Do you have the page on your credit report that provides the address for disputes?? If all you have is their website address then call Experian: 1-888-397-3742; or go to their website experian.com and get an address from there. I am sending it certified only and that's the only way I've ever sent the letters. I do have the actual credit report from Experian, but there is no address on the report, only a phone number and an email address. I'll see what I can find.
  16. Are you sending it certified ONLY or are you sending it with a return receipt requested. If so, send it certified only. Do you have your credit report?? Do you have the page on your credit report that provides the address for disputes?? If all you have is their website address then call Experian: 1-888-397-3742; or go to their website experian.com and get an address from there. I am sending it certified only and that's the only way I've ever sent the letters. I do have the actual credit report from Experian, but there is no address on the report, only a phone number and an email address. I'll see what I can find.
  17. I have a credit card account with Citibank that is showing a late payment from January 2008. However, I do not believe that this is showing correctly as I have never missed a payment on this account. That being said, my question is two-fold: 1) Since I just completed Why Chat's process for two medical collections accounts with TransUnion and Equifax (still working on the Experian portion), is it too soon to dispute this late payment or should I wait awhile to initiate this dispute? 2) Should I just dispute this online through the usual means on the bureaus' websites? Is Citibank known to keep meticulous records or is it likely to be deleted because Citibank won't have record of it? Thanks for the input!
  18. Why Chat, for the second consecutive time, my certified mail dispute to Experian is being returned by the USPS saying that the addressee is unknown and that it is undeliverable. Do you have the correct mailing address for Experian that I can use for this certified dispute letter? This is costing me unnecessary money by having to resend this letter again and I can't seem to find the right address. Do you know it or know where I can find it? It would be appreciated.
  19. Update time: I was dealing with a medical collections account when I was blocked. I was checking every day, at least, and they shut it on me too. However, about two weeks later, I received a letter with the results of TransUnion's investigation into my account saying it had been deleted from my file. At this point, I figured I'd try to backdoor the website again and sure enough, I was allowed to view my updated report in its entirety. In the future, I'd use TU's backdoor very infrequently, but if you are cut off, I think you just have to be patient and they reopen it once they finalize your investigation and send you a letter/email stating that their investigation has concluded.
  20. A quick update: I went by the Bursar's office and stated my case that this be removed because it was their mistake but the first employee I spoke with didn't even realize that their office was reporting to the credit bureaus. I spoke to her supervisor who told me that I'd have to file a dispute and they would investigate. I told them that they report the information and that since they were mistaken, they should just contact them and ask that it be removed because it was incorrect. She said it was not incorrect and that it would stay on even when I showed her receipts. So, I'm escalating my complaint up the chain of command. Update time/Bump: I escalated my complaint up the chain of command with my university and took copies of the cleared checks to the bursar's office, but they refused to change it and said it was reporting accurately. I disputed with all three credit bureaus because I thought that if my university had to respond to a dispute that it might make them have to provide some sort of proof that I could then see if they verified it. Well, my university verified it but the only thing I got from any bureau was an email saying that the account was reporting accurately. Anything I can do at this point?
  21. Letter sent to Experian yesterday afternoon, 9/6.
  22. Update time: 1) TransUnion deleted the only medical collection account (West Asset Management) that was reporting online. I backdoored TransUnion's website and verified that the account has been removed online. 2) CSC Credit Services did something strange and I'm not sure what to believe... CSC was showing two medical collections accounts (West Asset Management and Credit Collections Inc.) as reporting online. Once I submitted Why Chat's pre-HIPAA letter, they only ever reported the West Asset Management as being investigated, while the Credit Collections Inc. account never showed as being investigated online. I received a letter on 8/28 stating that they had completed their investigation and that the West Asset Management account had been verified as mine. However, the same letter states that the medical collections account with Credit Collections Inc. has been deleted from my credit file. However, when I backdoored the Equifax website, both medical collections accounts had been deleted from my file. Should I ask for another letter verifying that both accounts were indeed deleted or should I just print off a copy of what they show online and keep that for my records? How am I to know that both accounts were in fact deleted and that the letter is mistaken in saying that the West Asset Management was verified? 3) I apparently did not have the right P.O. Box address for Experian so the disputes were never initiated with them. I'm resending Why Chat's pre-HIPAA letter tomorrow via certified mail and will post another update when I hear back from them. Thanks Why Chat and EnC_Plus3 for your contributions!
  23. Thank you very much! I had sent it to Experian P.O. Box 9556 Allen, TX 75013 originally. Hopefully I have better luck this time.

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