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  1. Hi Why Chat, Yes, this account is still reporting. Apparently I still owe on this account even though I wrote a check with the account number and the check was cashed by the OC. Unfortunately, the check was used for another account and not the account listed on the check. I will certainly pay that account as you stated and hopefully the OC will contact the CA and remove this account! Thank you Why Chat
  2. Hi Why Chat! I recently contacted an OC today that had a medical account sent to the CA as I have not heard at all from the CA concerning this account. I wanted to get your next steps on this particular situation Back in 2017 I wrote a check for $116.00 to the OC when I received the first letter from the CA (I travel a lot for work and simply forgot) I physically went down to the OC to pay the account and listed the account number on the check. The check was cashed by the OC. A month later I received yet another letter from the CA for the same account and have been trying to dispute with them ever since because this account was paid for. Now today I find out from the OC that the check that I wrote was used for another balance instead of the one that was listed on the check. All this time I thought I wrote a check for the account listed on the check. So I wanted to ask your opinion in the Why Chat method to take next? Thank you Why Chat
  3. I know that it would have not been a government facility as I was no longer an Air Force dependent at that time. And yes, all statements say 2014.
  4. Hi Why Chat, Yes, I have followed all the steps and even Equifax asked to send in Identification to prove my identify. After all of these steps, one response from a CA (non from the other two), and all three of the CRA's stating that they debt is verified, I don't where to go from here. Would I need to send out another DV to the CAs who have not responded (and even another one DV with the lack of information) ?
  5. Hello Whychat, I needed to find out the next steps to take regarding collection agencies not responding to my initial dispute letter. I have done all the steps and sent out the dispute letter to the CA and heard back from only one. The one that responded only sent me vague response of what I owed: Patient Name: LohaLonnie Date of Service: July 2014 Account Type: Medical Debt Amount Owed: $1914 I also have two other collection accounts (one including the exact same amount listed above) but have not heard anything from either of them. Hopefully I followed your method right. When I did not receive a response from the CA I sent the CB a letter stating no response from the CA’s listed on my report. The CB’s then reviewed my disputes and said the CA accounts are indeed verified but I have only hear from one. Question - What are my next steps to: 1. Receive the proper/more documentation from the CA that did respond 2. On how to proceed with the CA’s that did not respond and all 3 CB’s are reporting that the accounts are verified? 3. Find out which account is accurate when it is reporting the same amount of $1914 Thank you in advance, Whychat
  6. Credit utilization is not an issue. Current DTI (without collections) not an issue either. Its just 3 collections that both the CA and credit bureaus cannot seem to verify that these account do indeed belong to me. And 1 collection account that was paid a month prior to the OC and still ended on my report and provided proof that it was paid to the OC. It would seem to me if I can remove these 4 accounts that my score would increase but wanted to see if removing the late's may help as well.
  7. Yes, I did speak with a mortgage company. He mainly addressed the collections that I have (that I am currently disputing with the Whychat method) and mentioned the late payments with Capital One Auto that happened in 2014/2015. One these are removed (collections/late's) then my score can increase.
  8. Sorry - I did not mean to say pay for delete. I mean GW letter. I saw another post and wrote that.
  9. Hello – Please remove if in the wrong forum. I am currently in the process of building a new home next year and going over my reports. I paid off my Capital One Auto Feb 2019 and had missed payments in 2014 and 2015; the account became current 2016-2019. At this time would it be ok to ask for Pay for Delete of these late’s or does it even matter now that the auto loan is paid off?
  10. Thank you Why Chat! I have had no issues with the other bureaus in responding or following up. The method is working great for the other two. TU just had a weird response. I will follow up with the CA and then send TU a follow up dispute and let you know of the results. Thank you!!
  11. Hello Why Chat Today I received my response from TU after my initial dispute letter. Based on my credit report I have 3 medical collections that were in the initial dispute letter. The response from TU states: "After reviewing your dispute request, we found that information you disputed does not currently appear on your TransUnion credit report. It's possible that information was updated before we received your report or it was reported by one of the other credit reporting companies" Today I request another credit report from "annualcreditreport" and 2 of the 3 accounts were deleted; yet one account still remains. Based on TU's response it seems that nothing adverse was located on my reports but one account still remains. Would I need to: 1. Resend the Initial Dispute letter for this one account? 2. Write a letter to TU explaining that by your letter nothing should be reporting as an adverse account? 3. Send a Medical Dispute Verification letter to the CA?
  12. I was recently billed for my trip to the ER. I received two bills for the same date of the ER. First bill: $700.00 which matches my EOB from my insurance provider Second bill: $353.50 (patients balance/deductable) which shows date of dervice, providers name, charges, credits and remaining balance. *charges are $505.00 which are not explained *credits are $151.50 I am thinking that the 2nd bill is either fraudulent or is money for the Dr. who saw me. I say this because the $700 bill is what matches from the health insurance provider as my EOB. Please let me know what you think. Thankd so much!
  13. So with you mortgage it was a private lender? We aren't married yet but I know USDA wants income from everyone in the home. Yes, the DTI is my student loan and estimated mortgage I am comfortable paying. (Currently saving for kids college) so mortgage will be no more than 1200/month which goes really far in this city.

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