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About nikkih901

  • Birthday 08/07/1974

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  • Location
    Memphis, TN

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  1. Today I was notified that 2 of 3 medical collections were removed from my report following the guides listed here. I'm so excited! Now I have to deal with Central Financial Control/Syndicated Office Systems regarding my last account. However, I would like to ask some advice. Last week, I met the CEO of the hospital that placed said account with the CA. When I introduced myself, I wanted to talk to him about the account but decided against it since the time and place was all wrong. I've created a letter to send to him to see if I can get the account deleted. I'm even willing to pay the account
  2. Hi. Yes, I have been following the guides. I was unable to use the back door for TU because I have exhausted the times I can view that particular report however, I did confirm via phone that a dispute was being processed and the results will be sent via mail. The EQ back door states status PENDING with an estimated completion date of 1-19-15 and EX shows nothing yet; I was told they have not received any mail from me although I have proof of delivery. I will take your advice and wait until I receive correspondence via mail. Thanks again.
  3. A few weeks ago I started the initial dispute process for 3 medical collections that I discovered on my CBR from 2009 and 2013. Although I have not received an official response via mail from TU, I just logged in to my Credit Karma account and saw that one collection (reported by Central Financial Control) was updated on 12-26-14 as CLOSED. At this point, should I patiently wait for the mailed response to my dispute from TU or should I proceed with the next step and send the dispute letter to Central Financial Control now? I know for a fact the account reported by CFC is invalid because a
  4. I have been working diligently to repair my credit scores for the past few months. For example, my FICO EQ score was 548 in August 2014. Last Friday, it was listed as 666. This morning a new credit card trade line appeared and a student loan was brought to a $0 balance then transferred (without my knowledge) to another lender in an attempt to have my loans with one company. My score dropped 19 points in one day!! I am literally in tears and not quite sure why this happened. Can someone provide insight and let me know how to recover? I was on a mission to have a score of 700 by March 2015, n
  5. Hi there. I made my 1st post with typos and repeat sentences. Will I be able to correct it if/when it will be seen by others? Also, I was directed to this site from another credit repairing site.
  6. Good Evening. First, I'd like to say how thankful I am that I found this site. All this time, I've thought the SOL for Tennessee is 7 years. I have been patiently awaiting January 2015 to file a dispute to have 2 medical accounts removed from my CBR. However, I just found out the SOL is actually 6 years in TN. A few years ago, I disputed them a few years ago with the CA and they never responded. I forgot about them until I recently received copies of my reports. Does anyone advise that I go directly to the EQ and TU website to dispute the accounts or is it imperative that I follow the
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