Jump to content

Ginnysaved32

Members
  • Content Count

    54
  • Joined

  • Last visited

Everything posted by Ginnysaved32

  1. I opened a military star credit card in January of 2012. I had a perfect paying history until October 2014 through December 2014. I thought I had set up automatic payments for the payment to come out and did not. When I realized what had happened, I phoned customer service around January 15, 2015 to catch the payments up. They refused any payments and informed me that my account had been sent to collections. I tried several times via telephone to get a payment in to catch up the card to no avail. Yesterday is the first time I received anything from Transworld about this account. Should I just agree to pay them, a collection agency, and set up payment arrangements. I owe $3500 give or take.
  2. Ginnysaved32

    NFCU

    Pink Hill
  3. Yes I have received a response from all 3 CRA now. I have received all CAs removed from Experian; one of the OC is showing on my Transunion report instead of the CA, That is IMPOSSIBLE OC health care providers are prohibited from reporting directly. Are you SURE you are not just seeing the NAME of the OC on a CA entry?YES, I AM SURE. the rest are gone from Transunion: and Equifax deleted all but one of the CA and that one came back verified. I have not received any response from the CA and thy have had 30 days to respond. Equifax is sending all results of my disputes online. I went in the back door to check on the status and found that they sent it via online and not mail. Help??? I don't know why you are getting your results on line instead of by mail. I would guess that you had SOME kind of prior dispute or correction that you did on line or by phone-- (address deletion??)
  4. Yes I have received a response from all 3 CRA now. I have received all CAs removed from Experian; one of the OC is showing on my Transunion report instead of the CA, the rest are gone from Transunion: and Equifax deleted all but one of the CA and that one came back verified. I have not received any response from the CA and thy have had 30 days to respond. Equifax is sending all results of my disputes online. I went in the back door to check on the status and found that they sent it via online and not mail. Help???
  5. THANKS!!! SCA sent the following letters regarding the two paid and one unpaid medical accounts: "Dear Sir/Madam: Per our client's request, we have made the necessary adjustments to the above referenced account and we have sent the information to the credit bureaus for removal of the item from your credit report. Please allow the credit bureaus 30-45 days to complete this request. Thank you for your attention to this matter. .........................' I am still waiting to hear from the other two. Thank you for your help. Little by little, I am getting there>>
  6. Still waiting on Experian and Transunion as they are still within their 30 day response window.
  7. Yes, I have opted out, deleted old addresses, received all 3 paper credit reports with their own ID #s, and used the format for the initial dispute via priority mail with a tracking number. Sorry for the miscommunication of certified mail instead of priority mail. Franklin Collections-No date of service. Date assigned 4/2015: 1st date of delinquency 10/2013 Balance 0 (because I paid it before I joined earlier this year) Financial Data Systems- No date of medical service. reported 3/2015: assigned 2/19/2015 : unpaid: dOFD; 9/2014 (I know that this one is from eye surgery I had back in 2005. But it reports as if it was 3/2015) SCA collections- No date of medical service. Reported 3/2016. Assigned 6/2010. DOFD 12/2009: Bal. $0 ( another one I paid prior to knowledge of Creditboard) SCA-No date of medical service. Reported 2/2016. Assigned 6/2015.DOFD; 1/2015: Bal. $0 ( paid this one too before CB) SCA- No date of medical service. Reported 5/2016. Assigned 12/2015.:DOFD: 07/2015: Unpaid
  8. I sent the initial dispute letter to Equifax on July 18 using certified mail. They received it on 7/20/2016 @5:05am. I have not received anything from Equifax as a response to the collections on my account. I have both paid collections and unpaid collections. I am unclear on which follow-up to the CRA to use.? I have signed up for credit check total and all but one account is still showing plus an additional new one. My July Equifax Fico score was 618, now 608. The status updates on credit check total has August 2016 dates. Help? Do I send certified mail letter to CRA again?
  9. Is there a way to dispute phone numbers that are no longer accurate from your credit file?
  10. Received response from OC Eastern Radiology which reads as follows: "Dear xxx, MY MANAGER AND I HAVE REVIEWED YOUR ACCOUNT AGAIN, AND WE FIND NO HIPPA VIOLATIONS AS FAR AS SHARING THIS INFORMATION WITH SCA COLLECTIONS. IN REFERENCE TO THE TWO DATES OF SERVICE IN QUESTION, FIRST DOS 7/31/15 WE RECEIVED THIS ACCOUNT FROM VIDANT AS SELF PAY, WE FOUND THE BLUE CROSS TERMED ON 7/29/2015, BUT WE WERE ABLE TO FIKE THIS TO MEDICAID AND WE DID 7/15/2016 AND THEY HAVE PAID, WE HAVE REPORTED THAT TO SCA AS PAID FOR THE $116. THE OTHER DATE OF SERVICE IN QUESTION 7/6/15 for $101.00, WE FILED THIS CHARGE TO BCBS AND THEY PAID LEAVING A PATIENT RESPONSIBILITY $16.88, WE BILLED THAT TO YOU 7/31/16, 9/11/15, and 10/23/2015, BECAUSE WE REVEIVED NO RESPONSE FROM YOU INDICATING YOU HAD MEDICAID OT WENT TO COLLECTIONS 11/30/2015. I WAS ANLE TO SEE YOU WERE ELIGIBLE THIS DATE OF SERVICE FIR MEDICAID BUT SINCE YOU DIDN'T RESPOND TO THE STATEMENTS AND LETTERS THEN THAT CHARGE IS PAST THE FIKING LIMIT NIW AND WE ARE UNABLE TO FILE SINTHAT REMAINS WITH SCA COLLECTIONS. IF I CAN HELP YOU FURTHER, PLEASE GIVE ME A CALL." What should I do? I don't recall any statements or letters.
  11. well, well, well......... Looks like it's a fixed fight after all... I will not quit.
  12. (TAKE 2)Transunion report: I have opted out and sent the address and name dispute to all three agencies. I have sent the initial dispute to Transunion and Equifax. I am awaiting Experians paper report. Transunion report: Army/Air Force Exchange Date opened: 01/12/2012 Loan type: Charge account Balance: $0 Date updated: 01/10/2015 Last payment: 9/26/2015 High balance: $3, 980 Credit limit: $5,775 Date closed: 01/10/2015 Remarks: transferred to recovery; paid in full/was charge off Consumer Portfolio SVS Date opened: 2/22/2007 Loan type: automobile Balance: $7, 545 Date updated: 1/29/2016 Last payment made:9/14/2011 High balance: $16,185 Original charge off: $7, 590 Past due: $7,545 Pay status: voluntary surrender Date closed: 1/29/2010 Verizon wireless Date opened: 12/15/2011 Loan type: telecommunications/cellular Balance: $ 541 Date updated: 6/30/2016 High balance: $541 Pay status: charged off Date closed: 4/30/2013 Equifax report: Consumer Portfolio SVS Date opened: 2/1/2007 High credit: $16, 185 Balance: $7,545 Date of last payment: 09/2011 Actual payment amount: $41 DOFD : 11/2009 Voluntary surrender Military Star Date opened:1/12/2012 High credit: $3, 980 Credit limit : $5,775 Amount past due: $0 Date of last payment: 09/2014 DOFD : 10/2014 Verizon Wireless Date opened: 9/19/2011 Credit Limit:$541 Balance: $541 DOFD : 11/2012 Charge-off Consumer portfolio- I do not recall if this is the OC or not. I never received documentation as to the date nor the amount of resale. This was a voluntary repossession. Supposed to fall off credit reports in October. I am sure I received a 1099-c this year after we filed taxes. Army Exchage/military star-1st time late 10/2014.... Turned over to collections January. Would love to set up payment arrangements to get this resolved????(yes or no) Verizon: Should I pay or no?
  13. I have opted out. I have paper reports of Transunuion and Equifax. Still waiting on Experian. I have sent the initial disput letter about all medical collections to the CRA of received paper reports. I have disputed name and address too. ( Sorry about typos)
  14. My Transunion and Equifax reports list these accounts: Consumer Portfolio Svc Acct type: Installment loan Terms: 58M Opened: (Trans: 2/22/2007) Equifax 2/1/2007 Acct. status: closed Acct. pymt status: late Pymt status details: (Trans: voluntary repossession) Equifax:bad debt& places for collection & skip Status updates: (Trans: 1/29/16) Equifax: 4/9/16 Balance: $7,545 Past Due amount: $7,545 High Balance: $16, 185 Monthly pymt: $410 I never received the date/amount of resale paperwork. So I am not sure I owe what they say I owe. Pymt history on Transunion is absent for the most part with no pymt from 6/2014 to June 2015. Payment history on Equifax inaccurate. I am pretty sure I received the 1099-C form for this this year after I filed my taxes. I have not found it yet though. Military Star (Transunion) Acct type: Unknown Date opened: 1-12-2012 Account status: closed Pymt. Status: late Pymt. Status details: charged off as bad debt Status updates: 1/10/2015 Credit limit: $5,775 High Balance:$3, 980 Verizon (Transunuion) Acct type: Unknown Date opened: 9/19/2011 Acct status: closed Pymt status: late Pymt status details: charged off as bad debt Status updated: 6/30/16 Back: $541 Past due amount: $541 High Balance $541 What should I do about these accounts?

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines