KKP

These accounts definitely aren't related to any medical services received by the university. As I have had none. Its strictly tuition. So far, Equifax and Transition have removed the accounts. Experian is the only agency that will not remove them. I have sent out the first step of the Why Chat series to Experian. Is there any additional advice?

Yes, they are related to an old tuition balance I had at the school. No loans just an old balance. Thank you I am about to one these links and take a look at them now.

I have three accounts listed on my experian credit report since 2017 under collections from merchants & medical debt collection agency. Its an old school date from college. Its not a student loan, its an old tuition balance that the school sent to collections. I’ve been trying to have these removed for a while now with no luck. Any suggestions on how to get these removed? Anyone familiar with this company? These three accounts are truly holding me back. 🤧

Yes they are. What will be a more appropriate forum to post this in? Thank you for replying. 🙂

I have three accounts listed on my experian credit report since 2017 under collections from merchants & medical debt collection agency. I’ve been trying to have these removed for a while now with no luck. Any suggestions on how to get these removed?

My goal is to get the account removed. Its a closed credit card account with Best Buy.

Need some help or a sample letter to dispute. I have progressive reporting one amount on my credit report, they also sent account to a collection agency who is also reporting on the account with a different amount. How can I go about challenging for removal?

Does accepting a settlement offer on a closed credit card account help or hurt you in the long run. Account closed with Best Buy in December and now receiving settlement offers from CRA. Should you go for it? What about requesting a pay for delete along with it?

Upon contacting the CA they are asking me to pay the balance in 3 months, over $3,000 each month, which is not going to happen, I can't afford that. And the school is basically saying "tough luck" deal with the CA. I've contacted so many departments with no luck. So, now my question is for the CA with these unrealistic payment plans, should I file so type of document with the courts to present the case in front of a judge and bargain for a better more realistic payment plan or do you have any other suggestions?

Well, I did apply for a loan but the school didn't process paperwork in time and they didn't pay out the loan but I wasn't aware of that until I received the letter from the collection agency. So, I need some guidance as to how to approach the situation. I've contacted the schools financial aid office as well as their cashiers office with no luck of course. They won't even provide the information as to who they use to disburse loans because I wanted to contact that company to find out if the loan can still be paid out. However, the CA is demanding a ridiculous payment plan for the amount due and it is not within my financial budget to pay it in that manner, heck I don't think anyone would unless you were rich, lol. So, while I am in pursuit of the school and what they did not do, I do not want this to ding my CR. So, I my original question was should I contact the agency and try to make different arrangements for the balance due, or should I have the matter presided over in court if that is an option. The bill is for $9,464 and they want it paid in 3 months. I am a graduate of the school as off the winter semester in 2016.

So, I never actually received the loan. I received the collection notices for the actual tuition that was due. I applied for a student loan to help me with the tuition and I completed my part of the paperwork which left the school to finish their part. But to my knowledge the school did not process the loan requirements in time and basically just left my account in the negative and then sent the account to collections.

Thanks for the calming words... 😩 The student loan was granted by the school through financial aid. No it's not on my report either. Thanks for the calming words... 😩 The student loan was granted by the school through financial aid. No it's not on my report either.

I need some serious advice, I received a collection notice from Merchants & Medical Credit corp for a past due tuition bill from my school. After researching, I found out that a student loan I was granted was paid out so therefore the account went to collections. But of course this is all happening at the point where the university says that nothing can be done on there end I have to deal with the CA. So, the accounts are not on my CR at this point. I know I probably have a very short window before it does appear. However, the paperwork states only 1 option to pay an absurd amount of money per month to satisfy in three months. I am not sure what to do, should I contact them to find out if other options are available or is there anyone I can take this to court where I may come out getting a better payment option by way of mutual agreance in front of a judge? Please give any advice... I have to move pretty quick on this one.

Would you happened to know of any in Michigan? Or how to find one?

THIS ^^^^ and of course a Louisville Slugger for his knee caps. Good idea 😆

That sounds about right. It was so bad that the gentleman they had coming by the house tried to make my mother's dog. The attorney cannot be reached no one answers the number that was listed on the documents. And I am just at a complete lost. I was unaware of the bench warrant until I decided to go on the courts website to see if there was anything out there against my name. I'm in Michigan.

So, attorney was collecting on a past due bill issued writ to garnish taxes; collected on taxes; as well as payments made from insurance company and personally made. Attorney continued to pursue activity and did not report payments collected or garnished tax wages and subsequently issued a bench warrant and had people to come to the house and threaten to take property from the house. Also, attorney sent documents that were without signature and had information for another court; contacted this court and they have no knowledge of case at all. Now keep in mind that the debt is paid; defendant went and filed a motion to set aside bench warrant, garnishment and judgement(which does not appear on credit report). Any advice to give prior to court date. Defendant wants to sue plaintiff for harassment.

Should I send the letter to the OC or the CA?! The info that I researched came from the OC. I would send it to LJ Ross, CMRRR, and make it a very stern letter. If I were you, I would pull some of the verbiage out of the case I quoted and put it in the letter. Then make a complaint with the Michigan Attorney General, the BBB, and the CFPB with Consumers Energy. Awesome. I'm going to draft the letter this evening and then I'll post it for you to review. And after which, I'll fire off the complaints.

Should I send the letter to the OC or the CA?! The info that I researched came from the OC.

No it wasn't in the decree. I checked that also. In fact it's in the decree that he owes money back to me for somehow taking a tax refund that was due to me and forging my name to the check and cashing it. Yes I am in Michigan

So, LJ Ross has a bad item for Consumers Energy listed on my credit report as collections. I did some research on found out the account belonged to my ex and was subsequently transferred to me upon divorce. I'm not sure how to handle this. Bad item is reporting to all three CRA's. Any suggestions?!

Congrats

Thank you. I will dispute it.

Ok. Is there a sample letter that I should use? Is there a sample letter I should try?