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Kmlingo5

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About Kmlingo5

  • Birthday 12/05/1983

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    Florida
  1. Whychat, I am reviving this old thread because I now am clean of medical collections.....a big thanks to you! I am moving forward to using your SOL letter. I just wanted to make sure that I am able to use this for original creditors. I have two charged off accounts reporting a zero balance with a DOFD 11/2012 and one charge off reporting a balance DOFD 12/2012. I am ok to send the SOL to them? I have already disputed them via CRA's and they came back as updated. Once the OC's receive the letters I can then send the deletion request letter to the CRA's? CMRR or just Priority Mail? Thank you
  2. WhyChat, Your advice helped tremendously for all the medical accounts between my husband and myself! Thank You! Instead of making of making a new thread I am posting this here, an entirely new question. I followed your program fully for a medical bill with a 12/2011 date of service. No insurance. Nothing came of it, in January. I filed a BBB complaint against the JDB or CA(Junk Debt Buyer Associate's P.A.) Upon receiving this complaint they then sent a copy of services provided and who the OC is. My signature is nowhere in this document. Does not look to be faxed and amount owed is 0.00. The bill has "Bad debt write off" where the amount is zeroed out. Is this legit?
  3. My husband applied for an auto loan through NFCU and he was denied for the pre-approved loan. The customer service representative then told him, within 14 days if he found a car, the dealership should write a buyer's order and send it to Navy. They then would either approve or deny the loan. This is bizzare!!! My husband is really disappointed about this. What happens when he lays down all the front work, has a price and a buyer's order, just for Navy to deny him? That would be embarrassing as well! Anyone experience this? How did it turn out? I would appreciate any feedback! Side note : His AAOA is 6 months, 10% utilization($5,500 in credit), 3 medical collections and no prior large loans. Thanks!
  4. I just wanted to pop in with a question for everyone getting EE's with EX. A charge off that is listed on DH reports has a DOFD on 6/2010. On EX report it says it will stay on until 3/2017. I have called 7 darn times and keep getting told the earliest they can remove is the date listed, 3/2017. They say that this date is considered an early exclusion. DH is going to be financing a car this month and this is his only baddie. I think it would boost him significantly with it being deleted. Should I keep calling or ask for a supervisor(respectfully?) I am distraught that I am not getting a positive result! Thanks!!
  5. Just had a quick question as to which state's SOL I should be looking at. The State in which the original creditor is located, the state I currently reside or the state in which the account was opened? Need to look into some specifics and don't know what state's law I need to be focusing on. Thanks!
  6. Sorry for the confusion. As to my friends accounts, she did not have insurance. As to my new dings, I haven't started the process yet. I kind of want a breather! Been eating, drinking and sleeping credit repair for a few straight months!! Lol
  7. In regards to the quoted ext above. My friend finally received a letter from the CA, as follows: "Dear Person, ***** Memorial ER Physicians Date of Service: 01/26/2013 Patient: Friend's Name Amount Due: $495 This office has received your recent letter requesting verification of the outstanding account as listed above. Our original required first notification of this debt was mailed to you on 06/03/2013. The original required notification mailed to you stated, as per the FDCPA, that: Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion therefore, this office will assume the debt is valid. If you notify this office in writing within 30 days after receiving tghis 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 judgment and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained shall be used for that purpose. No such written response from you has been received within the 30 day period, however this letter once again provides you with the following information as a result of your recent written inquiry. The original creditor is the same as the current creditor. The name of the creditor, patient account number, the original date of service and the current balance due is as follows: ***** Memorial ER Physicians Account ##### Date of Service: 01/26/2013 Patient: Friend's Name Balance Due: $495 This debt for services rendered is owed to the original creditor. Our office has been hired to collect the debt on the behalf of the original creditor. All authorizations for treatment and agreements to pay the charges for these services were made at the time of admission or treatment. " Is this proof that they have an established relationship with the OC? No copies of bills were included. Before I was made aware of the letter I filed a CFPB complaint, as you suggested(with caution) against EQ. EQ's response to the CFPB complaint basically said that the account was verified by the data furnisher and to contact them with any further questions. Thanks again!
  8. Thanks Whychat! Appreciate everything! This was my last question for the evening, pertaining to my friends accounts. When sending the copy of the CFPB complaint to Equifax along with a follow up dispute what should the dispute itself entail besides this: "I reserve the right to take further action including filing appropriate complaints with the OCR on HIPAA violations and the (name of your State)'s Attorney General under the penalty rules of the Omnibus Final Rule(09/23/2013) interpreting and implementing provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 (HITECH Act), ( your State) 's consumer protection agencies, the BBB and to take civil action to recover damages. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on “Abusive” Acts or Practices. ( Section 1031 of the Dodd-Frank Act )" Handwritten again with colored ink or typed? Include any other phrasing?
  9. In reference to the quoted post. Followed the program to it's entirety and had everything deleted except for one account that you stated could possibly be an ambulance bill and to leave it alone. Thank you a million times for assisting me with that. Just yesterday I was notified of new accounts listed on TransUnion and Experian. I checked the back doors and they are in fact new accounts. They are listed under a collection agency I have never seen on my husband's reports. The listed OC has never been on his reports either.
  10. When sending the copy of the CFPB complaint to Equifax along with a follow up dispute what should the dispute itself entail besides this: "I reserve the right to take further action including filing appropriate complaints with the OCR on HIPAA violations and the (name of your State)'s Attorney General under the penalty rules of the Omnibus Final Rule(09/23/2013) interpreting and implementing provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 (HITECH Act), ( your State) 's consumer protection agencies, the BBB and to take civil action to recover damages. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on “Abusive” Acts or Practices. ( Section 1031 of the Dodd-Frank Act )" Handwritten again with colored ink or typed? Include any other phrasing? These are in fact on both EX and TU!
  11. Whychat, Just as I thought I had everything settled.....I get blindsided. I have to apologize for being what I believe to be, a pain! Husband's report: Recieved a notification of new collections added(via Identity Guard.) 4 collections that I had never seen before popped up. All 4 are being reported by "Yada yada yada Law Offices." OC isn't ringing any bells with DH. We don't have any date of services because he doesn't even know the listed OC. Although the OC is in a state he resided in over 4 years ago. Do I start the process all over again with these new accounts? I couldn't find any infomation that would indicate it was an account already deleted and then sold to these Law Office people. Help! I had his reports cleaned down to one baddie. Now I feel defeated.
  12. Thank you very much Whychat! I will be starting the CFPB complaints today. My friend's collection items are each under $500. I will return when I get results or responses. Hope you have a great holiday!
  13. Whychat, I helped a friend of mine with a 2 medical collections from the same CA. Followed the program(opted out, removed old adresses, initial dispute, DV to CA and follow up dispute.) These collections were only on EQ. However they came back as verified in the end results. No insurance and dates of service 3/2013. Next move to help her?

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