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luvmilan

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About luvmilan

  • Birthday 12/06/1978
  1. Hey Why Chat sorry for the confusion, yes the account was only on TU. I sent the dispute to only one CRA TU, I had 2 medical judgements from the same OC (hospital) that were reporting on all 3 TU, EXP, and EQ I used your methods to get them removed and they were then paid with the charity care from the hospital just like the Security Collection that was just removed
  2. Thanks for all of your help I just wanted to give an update. I know I was not supposed to call but I did and I spoke to a lady in the back office at the hospital ( I never contacted the JDB) and I explained that the one account I had is now 2 accounts and now they are both showing paid with the same account numbers. I asked could these accounts be removed. She advised that they could stay but as a courtesy she would remove them. I received 2 letters from Security Collections (JDB) stating that they were gonna remove them from my reports and I checked the backdoor and both accounts have been removed.
  3. Thanks for response...No I hadn't done the follow up. This is only on TU. Should I do follow up with these discrepancies or is there another plan of attack?
  4. Good morning all, I need help. I got in the mail from transunion today my medical collection (Security Collection) deleted. However I logged into transition today and the report has two new collections by security collections both with same account disputed but now two different accounts different amounts same account number the original amount appearing on my 2/10 report was $1083. this is how it looks now. I also have the ledger from the hospital showing that the original balance is now 0.00. It doesn't say paid because the charity care took care of it. it shows $1083 and then current amount due 0.00. My question is how do i proceed. It looks like I paid the collection agency and cemented it to the account. I did not. I was approved in Feb for charity care that wiped out the past debts and any new debts -12/15? I don't know what to do next. SECURITY COLLECTION #39299903**** SECURITY COLLECTION #39299903**** PO BOX 910 EDENTON, NC 27932-0910 (800) 849-7152 Placed for Collection: 01/31/2011 Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY Balance: $0 Date Updated: 02/27/2015 Original Amount: $1,744 Original Creditor: MEDICAL-CHILDRENS HOSP KINGS DAUGHTERS (Medical/Health Care) Pay Status: >Account Paid in Full; was a Collection< Date Closed: 02/27/2015 Remarks: >PAID COLLECTION< Estimated month and year that this item will be removed: 03/2017 Request an investigation PO BOX 910 EDENTON, NC 27932-0910 (800) 849-7152 Placed for Collection: 01/31/2011 Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY Balance: $0 Date Updated: 02/27/2015 Original Amount: $391 Original Creditor: MEDICAL-CHILDRENS HOSP KINGS DAUGHTERS (Medical/Health Care) Pay Status: >Account Paid in Full; was a Collection< Date Closed: 02/27/2015 Remarks: >PAID COLLECTION< Estimated month and year that this item will be removed: 05/2017
  5. Thanks Tweak691 nope Citi is not reporting just Midland, just checked my Exp and TU report is does not list the DOFD on either. Do I mail a dispute to TU and EXP because the DOFD is not reporting?
  6. Ok so Midland is not reporting on my Equifax But it is on the TU and EXP. EXp report from 1/9/15 has date opened 3/14, first reported 8/14, type debt buyer,terms 1 month, Not sure of what the date should be but maybe closer to 3/2010. Any secrets to finding the DOFD?
  7. Ok so I will wait till i finish with Whychat, almost done have 2 collections reporting one will be covered with charity care the other is only $193 hoping to pay that next week directly to DR. office. I have been having trouble with EQ there is a jr suffix on my name, I am a woman and not a Jr. I keep sending them my DL and bills showing my name and they verify and don't update, even though they mail me the letter addressed with my name spelled correctly no Jr. When i try to order products i get kicked out because the info i supply does not match the info they have(jr). I will call them and see if they can send me out a new report ( i was denied a cc in Jan) so that i can see the date.The Midland account is past the SOL I am in VA (3years) they even mention that in the most recent request for settlement that they are not going to sue me. Thanks for the help
  8. Newbie hareSo I've been getting help with Why chat for my medical collections but this one is just sticking no matter what I do... any help would be greatly appreciated how should i attack think MIDLAND FUNDING Address: 8875 AERO DR STE 200 SAN DIEGO, CA 92123 (877) 240-2377 Account Number: 85 Original Creditor: CITIBANK N.A. Address Identification Number: 0047Status: Collection account. $2,327 past due as of Feb 2015. Date Opened: 03/2014 Date of Status: 08/2014 Reported Since: 08/2014 Last Reported Date: 02/2015 Type: Debt Buyer Terms: 1 Months Monthly Payment: $0 Responsibility: Individual Credit Limit: $2,327 High Balance: N/A Recent Balance: $2,327 Recent Payment: $0 Please advise
  9. Thanks for responding yes i have opted out and deleted old addresses, i sent initial dispute to cra's, to which they responded via mail with verified no change Sent the medical DV to those CAs for those accounts that were not deleted this was done 1/10 with no response, while waiting for a response i applied for the charity program at the hospital, i was approved on 2/9. ive been checking my report and i got the results from TU that it is still there verified no change, i called i know stay off phone , the hospital and the lady verified that my account was $0.00 balance. she sent me an email with all the visits in the last 10 years and all have been included with the charity care included the Security Collection for $1083 that came back verified. I just sent out my follow up dispute 2/27 and i verified today that they went out. I guess, i wait, i was hoping that the zero balance email i received today would help my case or no?
  10. Whychat, and other experts I really need to know how to proceed
  11. Thanks for all the help I'm still working on collections I have been following whychats method for the medical collections. I was able to get 2 judgements removed 😄I still have 2 medical collections remaining. I was also approved for the hospital charity program. One account is with the hospital the other is not. I just got my TU report back and this account was verified. I also got the hospital to send me the print out showing the bills are paid and zero balance. My question is how do I get the collection to come off, I don't want verify by talking to Security Collection, and CB keeps verifying Please help
  12. Hey Rich111 do you remember where you mailed the goodwill letter too?
  13. Ive been reading and started repair my credit I have had success with getting addys updated and names corrected. Ive done 2 medical pfd and I contacted American Credit and Collections to delete a previous collection just as goodwill and they did. I haven't had much success with bumpage but since I only have 1 inq on Exp and 10 on Eq I guess it could be worse. My score has increased 60 points since I started. I was already a member of NFCU. I got a car loan about 14 months ago for $25k that was before my scores improved and I had collections reporting. My file is thin and my auto interest rate reflects that 15%. My DW had me as a AU on her $500 secure card and I on a whim applied and got the signature rewards for 5K a personal loan for &1k and most recently the NAVCHECK for $5500. My problem is I have Midland and Target reporting. I paid Target in a settlement directly but it still is reporting. I would like to to buy a house in the next 6 months but I know FHA is strict and I just want a clean report. THis is how it is reporting. Please help, how should I attack this MIDLAND CREDIT MGMT IN Current Closed 800-825-8131 Mailing Address: 8875 AERO DR </h5><h5 style="padding: 0px; margin: 0px; font-style: italic; font-size: 11px; display: inline; float: left; width: 70px; font-weight: normal; ">SAN DIEGO, CA 92123 Account NameMIDLAND CREDIT MGMT INAccount #XXXXAccount TypeDebt PurchaseBalanceDate Opened11/1/2010Account StatusClosedMo. PaymentClose Account DetailsPast DuePayment StatusPaid, was a collection account, insurance claim or government claim or was terminated for defaultHigh BalanceLimitTerms1 MonthCommentsAccount in dispute-reported by subscriber TNB - TARGET Current Closed 888-755-5856 Mailing Address: PO BOX 673 </h5><h5 style="padding: 0px; margin: 0px; font-style: italic; font-size: 11px; display: inline; float: left; width: 70px; font-weight: normal; ">MINNEAPOLIS, MN 55440 Account NameTNB - TARGETAccount #XXXXAccount TypeCredit CardBalanceDate Opened12/1/2007Account StatusClosedMo. PaymentClose Account DetailsPast DuePayment StatusLegally paid in full for less than the full balanceHigh BalanceLimit$200.00TermsRevolvingCommentsElection of remedy - reported by subscriber Also a judgement is still reporting on EXP we settled out of court but working to get judge to sign orders to vacate, once i get that I will dispute it with the CB's again, EXP will not remove and will no longer dispute it Equifax -704 TU -666 EXPERIAN-666

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