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renewme

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  1. I'm waiting on an appraisal that was supposed to be ordered a couple weeks ago. I sent an email today asking when the appraisal would happen. I've been stalled not sure how soon appraisal and house closing would happen. I'm guessing I should pay with your instructions because I don't know how long I have.
  2. Ok, I've stalled because I'm stressing about how to resolve this. I followed the steps the first time through except filing a complaint. This was the same CA that changed the amount and account number on EX and was just added to the EQ and TU for the first time (I believe). I sent the letter about reinserting the account. I received a response from EQ that the account has been updated. It updated status, "Unpaid". What do I do now? I need to clear it up for a mortgage. I didn't research when the other reports had this account last on them (probably over a year ago with a higher amount due) to send out letters to the other CRA. Do I restart or just file a complaint? Paying the OC? It's around 260 and it's been under 4 yrs.
  3. This was the same CA that changed the amount and account number. I sent the letter about reinserting the account. I received a response from EQ that the account has been updated. It updated status, "Unpaid". What do I do now? I need to clear it up for a mortgage. I didn't have a chance to research when the other reports had this account last on them to send out letters to the other CRA.
  4. Thank you Whychat. I sent in the letter 8 days ago and waiting for a response from EQ. This is the same CA reposting the account with a slightly different account number and amount. Do I hold off from sending anything to the other 2 CRA until I hear from EQ?
  5. I followed your instructions and to my relief it was removed from EQ in April. Now beginning in June it was posted again to all 3 CRA with a new account number and a amount closer to the original bill (adjusted by OC). I believe this the same one because it has same OC listed and they just changed the amount and account number. Do I start over like this is a new one? I'm needing to complete as soon as possible to close on a mortgage next month. I'm just not sure if starting over is the way to go. Thank you for your guidance.
  6. I followed your instructions and to my relief it was removed from EQ in April. Now beginning in June it was posted again to all 3 CRA with a new account number and a amount closer to the original bill (adjusted by OC). I believe this the same one because it has same OC listed and they just changed the amount and account number. Do I start over like this is a new one? I'm needing to complete as soon as possible to close on a mortgage next month. I'm just not sure if starting over is the way to go. Thank you for your guidance.
  7. This is only on EQ. I sent the letter to the CA and the follow up to EQ. In yesterdays mailing received a response from CA with a copy of an invoice from 2015. The letter said, "Attached is an itemized statement that you requested regarding the above identified debt that has been placed in our office for collection by the current creditor" The current creditor listed looks like another CA. The letter goes on to say "the enclosed bill shows zero because the account was charged off as delinquent. This does Not mean there is Not a balance due, or that you have a zero balance." The invoice shows charges with the next column showing payments/adjustments for the same amount as charges. The amount you owe column shows $0.00 I'm not sure what to do with this. I think it's still reporting on my credit report.
  8. Thank you. Do I use the phrase "recent communication"? This CA is only on my Equifax report. I could pay the contractual allowance to the OC if it will take care of this coming back. I've been preapproved for a mortgage and they told me this needs to be paid. I have about 6 weeks to 2 months to take care of it. This is just over 3 yrs old and still in sol. Does being in the mortgage approval process affect this process?
  9. I looked back through my posts on this thread and see that this is the same account that showed up on my report in July but a different CA. The OC had offered a lower amount based on contractual allowance with the insurance company. This new CA sent a bill for the full amount. Since EQ dispute came back verified, I'm assuming move on to letter to CA and follow up to CRA?
  10. Received a response from EQ the collection account came back verified.
  11. Yes dispute....typed that too fast without checking it.
  12. In the mail today I received a settlement offer from the collection agency and this was the first letter from them. Does this change the recommended approach? I haven't received my EQ credit report yet, which is where I believe it is only reported. I'm waiting on it before sending initial DV.
  13. I followed the instructions and all of the medical collections that I started with were removed. This is a new one (old one with a new collection agency) that CK just notified me showing up last week. Yesterday, I paid for a EQ report and hopefully will have it soon. Next (after getting the new report with this new CA listed) I will send the medical DV to the CA. Then the CRA dispute. Do I skip the initial dispute to the CRA for this new medical collection? In November after all of the medical collections were gone, I started looking at old non-medical charge offs and whether any could be removed from my report. I did a initial dispute on those and responses back from CRA with no changes. Those were my last posts on here.
  14. Hello Whychat and others, I sent the dispute letter but no changes were made to my reports. I received responses mid-late December. I've stalled and haven't moved forward after the three responses. Not sure if I should bother with them right now considering the two situations I'll describe below Now Credit Karma sent a notice of a new collection on my EQ report Sept 2017 but I haven't received any notice and I have no new medical bills. If you have advice on how to move forward I would appreciate it. I will look through the notes above to remind myself of the process before. My credit report seems 6 months old and wouldn't have the collection on it since it's a new CA and just now reporting. Do I need to request a new report to dispute this addition to my report? I'm feeling a sense of urgency to get this new collection removed, because my landlord let me know that if I am approved for a mortgage I will be considered to buy the home I live in but will have to move if I'm not able to buy. I appreciate any advice.
  15. The 2 accounts are closed. I will work on the dispute letters to the CRAs.

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