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  1. Thank you Why Chat, I had one more conversation with the office manager to verify that they are taking payment for the debt, and supposedly there's a middle company between them and the CA (maybe some servicing company?) she mentioned that after payment they request for the mark to be removed from my credit, again this is just talking not sure if they go thru with it. One question about the HIPPAA letter program, does it matter if the debt was paid or not? Or once paid it's more of a challenge to take off? The story of my colleague paying off his $61 debt and then his score significantly climb back up the next month was very enticing since if that happened to me will literally put me back on track for my loan even with the mark but you mention that it's worse so will take your advice, also another colleague that claims a lot of knowledge in the subject mentioned "the collection agency legally has to delete the debt if you've paid the original creditor", is there any merit to this? Thank you again! Roy
  2. Supposedly this was for an x-ray during my phisical, 100% covered but not the xray, honestly I don't remember if there was an X ray or not. A few notes since yesterday in the panic! - Talked to my brother and he said that he has a few higher medical collections yet none of them are on his credit report, figure that out! - One person mentioned that paying off the Original Creditor forces the Collections agency to delete the debt, is this true? - Another person said I should just pay it and don't waste time with trying to delete, he had the similar situation (high credit score and just a ding appeared) and his credit dropped a lot like mine but the next month it was all the way up again, anyone else experience this? So my thinking is calling the Original Creditor, ask them if they could put the charge as an error and pay them for them to be "happy", then in turn they send a correction to the Collection Agency and the collection agency deletes, is this a realistic scenerio? The goal is to get my score back up as quickly as possible so I can get the loan. Thank you!
  3. One quick question that came to my mind, lets say the Medical Office "made a mistake", can they request the file back and then the Collection Agency has to request to delete to the Credit Bureaus?
  4. The medical officer manager confirmed that they sent the file to collections, last year if I remember correctly, if they're confirming that they sent to the collection agency last year then I imagine it wouldn't be a JDB? Just talked to the mortage broker, this pretty much killed my refinance, great start to 2021! The lady at the collection agency is swearing that they will take it out, but I will start reading your guide, I'm sure I will have a lot of questions Thank you, I appreciate the help.
  5. It's a regular loan thru a broker, even if they approve it the rate might be way to high, which could force me to wait about 3 months and hope they don't raise the rates to much, my main problem now is how do I make sure they do a PFD, someone else mentioned that the email note might not be enough. Thank you.
  6. Not yet, I'm awaiting for his reponse, the problem is that my credit score plunged to around the 668/686/636, when I was in the 830s per myfico.com. Thank you, I will look at WhyChat's guide, I imagine it's a strategy to remove collection items? Thank you!
  7. I'm in shock, the lender just pulled my credit and it took it from about 800 to 689, I feel I'm been punched in the stomach! I called the doctor's office and it was from a physical in 2018, have to call back to get the exact date, I guess insurance didn't cover everything and supposedly they sent letters and honestly I was moving around with my business and never realized I had an outstanding balance.
  8. Hi guys, I hope this is not going to affect me to much doing my refninancing, I was checking my fico.com account and I have a new collection! It turns out that it was a medical bill that I thought I had paid but there was a balance of $71, the collection agency is FIRST FEDERAL CREDIT CONTROL, I talked to someone in there and she said if I make payment they will request to delete it from the bureaus (which will take about 3 months). I asked her to put it in writing and she said the best they could do it put a line on the email So basically she sent me an email with an attachment (the contents below), and a little note below the attachment that said "will be removed from credit once paid in full", will this be enforceable to have them delete if they don't follow thru with their promise to delete? I guess if they actually delete I can show a letter from the collection agency to the bank that the mark has been requested to be deleted? the email is from ann@ffcc.com at least it's a company email. A DEBT COLLECTION COMPANY - NOT A CREDIT BUREAU - NOT AFFILIATED WITH THE U.S. GOVERNMENT Jan 14, 2021 #XXXYYYZZZ #XXXYYYZZZ/1# "My name", "My Address" XXXYYYZZZ Creditor Regarding Amt Owed Dr. WHO MD PC 71.72 THE ABOVE LISTED ACCOUNTS HAVE BEEN PLACED WITH OUR OFFICE FOR COLLECTION PLEASE CONTACT: ANN OWENS THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. UNLESS YOU NOTIFY THIS OFFICE WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE THAT YOU DISPUTE THE VALIDITY OF THIS DEBT OR ANY PORTION THEREOF, THIS OFFICE WILL ASSUME THIS DEBT IS VALID. IF YOU NOTIFY THIS OFFICE IN WRITING WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE THAT YOU DISPUTE THE VALIDITY OF THIS DEBT, OR ANY PORTION THEREOF, THIS OFFICE WILL OBTAIN VERIFICATION OF THE DEBT OR OBTAIN A COPY OF A JUDGEMENT AND MAIL YOU A COPY OF SUCH JUDGEMENT OR VERIFICATION. IF YOU REQUEST THIS OFFICE IN WRITING WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE, THIS OFFICE WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT THAN THE CURRENT CREDITOR.THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. TO AVOID ERRORS, PLEASE MAKE ALL PAYMENTS PAYABLE TO FFCC OR TO THE CREDITOR LISTED ABOVE AND MAIL TO THIS OFFICE. INCLUDE YOUR ACCOUNT NUMBER LISTED ABOVE ON YOUR CHECK OR MONEY ORDER. YOU MAY ALSO PAY ONLINE AT WWW.FFCC.COM.
  9. I always had trouble getting the limit increased so I never spent to much on this card, I was at $9,750 for my limit and it got cut to $2,000 a few days ago! If it wasn't that I shouldn't close it, I would close it out of anger! I'm about to close on a refinance with my score right on the edge of 740 and now I have to figure out how I can keep it from falling below 740 and hurt my rate!
  10. I'm having the same issue, I'm about to close a refinancing but they need proof that i have paid my taxes or are in a payment plan, I did a payment plan but the payment plan is not withdrawing from my account for ??? reason so I want to fix that so I go to the IRS website but it can't show my payment plan and says to call the IRS number, I call the IRS number and message says they're not taking calls now and to go to the website! I say "the IRS is having a cat chasing its tail!", incredible, some higher ups should get their heads out of there a*****s! Any solution?
  11. Thank you for the response @cv91915, these are my revolving accounts, I have to check if it's reporting on my personal credit, I'll ask for a copy of the report from the lender. Columns are balance, limit, rate and utilization rate Best Buy $1,294.00 15000 26.74% 8.63 Lowes $8,630.00 35000 24.99% 24.66 MSG CC $0.00 10000 9.75% 0.00 Capital One $0.00 9750 22.9% 0.00 Chase $0.00 1000 14.99% 0.00 Chase Unlimi $0.00 4564 14.99% 0.00 Chase Slate $32,067.00 41300 14.99% 77.64 Amex $19,466.00 0
  12. While shopping to do a cash out from an investment property my credit score (mortgage related scores) stumbled from 750 middle score about 2-3 months ago to 722 2 days ago, not sure if a new SBA Loan for 25K and over 8-10 inquiries made my score drop about 30 points (while my other debt apart from this went down). My question is what would you guys do to try to get my score over 740 in a month so I can get the best refi rate, what would you pay off from below with 5K? Thank you! Loans SBA $17,591.64 SBA Loan 2 $6,536.11 New SBA $25,000 American Express Personal Loan $16,383.17 Affirm.com $630.24 HELOCS Limit Pulled Based on 750 w 11 mile rd $123,000.00 $120,688.81 Based on 14211 Elgin $55,000.00 $47,833.74 Credit Cards (with balances) American Express $19,668.00 Chase Slate $33,167.00 Best Buy $1,294.00 Lowes $8,630.00 Car Loan 2000 Hyndai Kona $9,281.30
  13. I got my refund a couple of days after I sent in a message thru the website that the rep had approved the refund and was told 2 billing cycles.
  14. The same problem happened to me for my lowes card (was very busy and totally missed both the card promotional balances) and they took a couple of days to credit my account, they mentioned that there's a grace period of X days where if you pay the balance owed on that interest they will take it out, forgot to ask if that was lowes rule but was under the impression that it's law.
  15. Hi guys, I missed paying off my balance for a promotion so I got a 1,050 interest charge, called them and I believe by law there's a grace period? so they agreed to refund that charge, they're telling me up to 2 billing cycles, are they nuts? The same happened with my lowes card and they refunded within 1 day, are they running a scam or 2 cycles is normal? Thank you in advance.
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