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  1. Today makes 42 days that Experian has had my dispute. I have not received a response from them. But it appears that a TL from Jefferson Capital (as a result of another dispute with Equifax not medically related has been changed to "Closed") based on Credit Karma and through a credit card that gives me my FICO score etc. Can anyone advise me as to how to go about contacting Experian and when I should? Should I send a letter or call or what? If they aren't acknowledging my dispute at all, do they have to delete the disputed TL's??? Thanks for any advice.
  2. First: How long does it take Ex to answer a dispute? They received the dispute on 12/6. As of today (01/14/19) I have not heard anything. As to the SOL on Wakefield that WhyChat asked about. Nothing has changed, I was just stating that according to the dates on the updated TU report dated 12/28 it would appear that this IS within the SOL. But... it still says Acct Info Disputed by Consumr - Date to be removed is 04/2024. I have not disputed anything since 2014.
  3. Bman125811

    Jefferson Capital & Verizon (and for WhyChat)

    I received my new and updated report from EQ today and the results of the dispute. The results are: The Information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # XXXX The results are: We verified that this item belongs to you. This account has been updated. Additional information has been proveided from the original source regarding this item. If you have additional questions about this item please contact Jefferson Capital yadda yadda yadda. This TL does not appear on the updated credit report. On Credit Karma it shows as a "Closed Account" This report is dated Jan 8. And just by coincidence, I also received a friendly letter from Jefferson Capital today dated Jan 8. It states that they know it is too old to sue but that they would be happy to collect 30% on the balance. Question: Isn't a "closed account" showing a balance due just as bad as a collection account? Should I now send a DV to Jefferson??? Thanks for any help.
  4. Bman125811

    Jefferson Capital & Verizon (and for WhyChat)

    This is for Killbadcredit and WhyChat I disputed the Jefferson Capital TL with Equifax. They have received the dispute letter. I have had no response from EQ yet but I noticed on Credit Karma that it is now showing as "Closed". Still shows a balance due but is now listed as a closed account. Isn't this just as bad as a regular collection account?
  5. I received an answer to my disputes with TU. Nothing so far from Exp. I had two TL's from I.C. Systems and one from Wakefield & Assoc. One I.C. Sys was deleted. The other IC was Verified as Accurate. Also, Wakefield was verified as accurate and the "Date Updated" on the investigation results is dated 12/03/18. They did not get my dispute letter until 12/06/18. The IC Sys that remains shows "Date Updated" 12/11/18 which is only 5 days after receiving dispute. Does this mean anything? As I understand it, it is time for the HIPPA letter to go out to the CA. Correct? It appears that the Wakefield may be within the SOL. Should I still send the HIPPA letter to them? I really do not know who this medical provider is. And it has a balance due. And finally, should I wait for the Experian report to come back. Exp and TU received the certified dispute letters on the same day - 12/06/18?? Thanks
  6. I've seen a few things here about mint.com. I had never heard of it before and went to their site. My anti-virus protection opened it up in a "new," secure window as it does for credit cards and bank websites so that is a bit more reassuring than CreditKarma and Sesame. Is it any good? I do not put much trust in sites such as creditKarma and sesame. Is this site worth giving out your personal info, etc? It says you do not need a credit card for an account and will give you your FICO score. How reliable of a FICO score is it? I don't trust Karma and Sesame very much as FICO scores vary so much. Any opinions would be greatly appreciated. Thanks in advance.
  7. Bman125811

    Jefferson Capital & Verizon (and for WhyChat)

    Does anyone have an "average" amount of time that it takes Exp and TU to respond to disputes. They both received my disputes on 12/6. Just curious if there is an "average" time for them to respond. Have another one with EQ that isn't medical related they got on the 21st. I suspect they wait the full 30 days usually, or more and with this being Christmas and News Year's. Hope everyone reading this had a Merry Christmas and will have a Happy New Year. Thanks
  8. Bman125811

    Jefferson Capital & Verizon (and for WhyChat)

    " As for asking for a litany of information like you did, I have never heard of an FDCPA type request having any weight. The FCRA requires that you provide them with proof of your claim, not the other way around. " I haven't done anything with this yet. I thought that the date of first major del. had to be reported as the same date between the OC (Verizon) and the CA (Jefferson). According to TU and Exp the expected drop off date is 2022, and not 2020. Which would be based on the Dec 2015 date and not the actual 1st date of Aug 2013. Either way they are both out of the SOL for my state (SC) so my only concern is in trying to have the TL deleted. Thanks for your reply. I'll check back later this afternoon or evening for any other replies.
  9. Bman125811

    Jefferson Capital & Verizon (and for WhyChat)

    This would apply even though Equifax has no medical collections? There are only two TL's in my entire Eq report - a Capital One credit card and this Jefferson Capital collection. If I dispute Jefferson with Eq would that possibly take care of TU and Exp also??? Thanks
  10. Bman125811

    Jefferson Capital & Verizon (and for WhyChat)

    I have disputed it with TU & Exp - they both received dispute letters on the 6th. Waiting for an answer. Just got Equifax's report out of PO Box today. They are next for dispute letter, unless advice is given otherwise to send directly to Jefferson. I'll update this and my medical collections issues as warranted.
  11. This is a 'continuation' of my original post in the medical billing forum for Wakefield & Associates that is not medically related - and mostly intended for WhyChat: So I received my Equifax report today and only have two tradelines on it. A current credit card, which is never late, etc etc. However, there is an entry from Jefferson Capital for an old debt from Verizon (not sure how it got to be $561 but that's not relevant here). I need your opinion on the following: I was able to retrieve my old credit reports from 2014 off of an old external hard drive. My most recent Equifax report dated 12/10 shows: (Jefferson Capital) DOFD: 01/2013 DMD 1st Rptd: 12/2015 BOTH of these are clearly and undeniably incorrect. The actual dates - from reports from 2014 are: (Verizon - OC) DOFD: 02/2013 DMD 1st Rptd: 08/2013 One is off by a month and the other is off by 2 yrs, 4 months. The most important one being the date of first major del. My questions are: 1) Should I do a regular DV with Eq asking for: "Please advise me as to the name and address of the original creditor, the name of the account holder, and the reported date of first delinquency,as any account I might have had at one time would be obsolete. Please advise me as to the correct name and current address of this creditor, the name of the account holder, and the reported date of first delinquency,as any account I might have had at one time would be obsolete. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies." https://whychat.me/initdispltrsol.html (With blue background/blue handwritten ink) (The above is what I sent to TU & Exp and am awaiting on their response.) 2) Or should I do a "jack attack" that I have seen on here where you dispute each and every entry? 3) What is the difference in sending by priority mail vs. certified. Both can be tracked and neither has to be signed for. About a $3 difference in cost of mailing. Just curious. Other info on this TL from Jefferson: From Verizon in 2014 Months Revd: 35 1 Creditor Calssification: Financial Blank Status: Collection Account Collection Account Type of Account: Open Open Type of Loan: Debt Buyer Account Telecommunication/Cellular Whose Account: Individual Account Individual Account Additional Information: Collection Account. Collection Your thoughts please as I plan on sending this out tomorrow if I can get to the Post Office before they close. I have to get either the Priority/certified numbers before I can send it. I would encourage anyone reading this to also read your link to Attorney Lawrence Rubin. I have read it, but need to go back and read it 'more slower' without any interruptions. Thanks again for your help and the Creditboards forum.
  12. Thanks for the reply. " Actually the Holiday season is the best and easiest time to get a deletion IF your dispute letter can not be read by their automated systems. " I was thinking they would just validate and move on but... I have another question for you that is not medical so I am going to start another thread in the regular credit forum if you'd take a look at it and give me some pointers. (I have my printer working now - ??? - and can print in the blue background). I'll come back here once I hear from TU & Exp. Thanks.
  13. Yes, Yes and yes... Had no choice at the time. For some reason printer would not print in blue or yellow (I know, yellow not needed for this) so I went with the light gray and as close to cursive font as I had. I did all the maintenance options and I guess the printer is shot and will have to pick up a new one. I was also thinking that it being the Christmas Season and all, they (the CRA's) would probably just verify everything anyway just to get it out of they way. Another thing, what are the thoughts of anyone here about Credit Karma or Credit Sesame? I'm thinking that if you opt out they can't access your reports anyway and I'm not too sure I want to give them access to my reports in the first place. I figure if you did sign up with one/both of them then you would be continually bombarded with credit card offers and the like. Thanks all and Merry Christmas.
  14. Thanks for the reply. Yes, it is a medical account: Original Creditor: "Medical-ACS Primary Care Physicians (Medical/Health Care)" But I have no idea who they are. If it is in dispute, the last time I disputed anything would have been back in 2014 so this has to be out of SOL if it is mine. There is definitely something "funky" with this one just based on the dates alone. I have had no "medical services" within the time frame of this entry. I have not received any letters from them either that I can remember. I used your CRA dispute letters to begin the process. TU & Ex received them Thursday. Eq should get their letter Monday (tomorrow). I'm waiting on the CRA response and will then begin the HIPPA letters to the CA's. P.S. - I used the script font and a light gray color. Thanks again.

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