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  1. Well, here we are again, Why Chat. I was hoping we were at the tail end of this process and we were blazing along getting prepared to make big changes next year, but alas, that is not our luck. The same accounts that we had disputed back in July, on my husbands TU report, we just noticed are back on there this week. The information for each account seems to be the same, though some accounts have a "Date Closed" listed where others do not and some are notated that we have disputed those accounts, though not all the disputed accounts have this notation. The "date updated" for each account ranges from the July dispute date to just 2 weeks ago (🤬 so much for actually being deleted). What should our next steps be? There is no new addresses or other personal information that has changed, so should I start over with the initial dispute letter...again? Thanks for the help.
  2. So, I finally have an update on my husbands progress. I swear this last month felt like it took forever, lol. Of all the old accounts we have disputed all but 3 have been removed. 2 are held with a CA called RS Clark & Assoc., the 3rd with a CA called Synerprise. After we sent the medical DV to RS Clark they sent back a letter saying they need more time to validate the debt and EQ "verified" the accounts. Synerprise simply sent letter saying they researched it and validated the account and EQ verified it, as well. Is there a next step for these 3? EX has removed all his accounts except the newest account I referenced in my very first post (to which you provided the shortened HIPAA letter for us to use). Speaking of, that account has been paid with the letter that you included above. It had to happen at a later date than when we started your process for the other (older) accounts, but we were able to verify the payment was cashed on the 16th of this month. This account still shows as not paid and reporting on his EQ and EX reports. What is the next step for that? Do I send out the letter titled "INSTRUCTIONS FOR FOLLOW UP TO "HIPAA" LETTER TO ORIGINAL CREDITOR HEALTH CARE PROVIDER" from your site, or do you recommend I use something else? My most recent dispute has not yet concluded.
  3. Ok, so I was hoping this wouldn't happen to us, but it seems my luck isn't so great. I just had a collections account pop up on my Experian report (after getting it all clean 🤬). I am aware of the account and the balance. It came from an anesthesiology company that handled my sons birth 4 1/2 years ago. They apparently didn't record our insurance properly and tried to come after us for the full amount of the service. I attempted to call them for months after the bills started showing up, but they always went to voicemail, essentially, and no one ever called back. I tried to get my insurance company to deal with this, but they required the actual company to file a claim with them, which they never did (or even tried to do apparently). So now some JDB has purchased this account and slapped it on my Experian report. To say I am mad is an understatement. Though I guess its best it happens now as we have not officially started the home buying process as we are still working on cleaning up my husbands reports. So, the question is, do I start this process from the very beginning? I have already opted out (again!) and wont need to remove old addresses. So, I send the initial dispute letter to Experian? PS. I cant thank this site and those who have helped out enough. Without this forum we wouldn't be where we are now with the knowledge we have. While I am mad, I know there is a process to handle this. Before I would have felt helpless and despondent. THANK YOU CREDITBOARDS and WHYCHAT!! Thank you!!!!!!!!
  4. Ok, definitely has not been 30 days. I'll wait and come back with the results then. Thanks a million!
  5. Yes, though we have not heard from either Equifax or Experian. Should we wait to see the results of the follow up letters to the CRA's? Am I just being too impatient, lol?
  6. Another update on our progress. Since my last post, my husband has received the response from Equifax. They claim to have verified all the collections on his accounts so we moved ahead with the medical DV letters for each account and the CRA follow up for those letters. We received 2 responses from different CA so far. One sent a copy of the "billing statements", as they called them and the other didn't bother to send anything of substance, just a letter saying they investigated themselves (😂🤣🙄🤦‍♀️) and found the "total amount owed is accurate." All of the accounts left on both his Equifax and Experian reports were from a total of 3 CA, so we still have one more company to respond and we have not received anything from either Equifax or Experian on this. What is your suggestion for follow up responses from the two companies who have replied? Again, thanks so much WhyChat.
  7. Ok! Progress. Again, thank you SO much Why Chat. I just received a letter from my last collections account notifying me that the account will be removed. Yay! That makes all of my reports clean as a whistle. My husband has also had a lot of progress on his disputes. TransUnion has removed all collections accounts from his report and Experian has removed all but 3. He has prepared the medical DV letters and the follow up for Ex to be sent out this coming week. He has not seen any movement from Equifax so far, but I expect to see something happen within this next week and we will go from there. He does have a vehicle repossession on his TransUnion and Equifax reports that I was curious if we would be a good candidate for your repossession deficiency dispute process on your website. We had financed the vehicle in only his name back in April 2015 as he was the only one working at the time. In December of 2016 we blew a rod in the engine rendering the car unusable and at the time we didn't have any other recourse than to voluntary surrender the vehicle to the creditor. It has been over 2 years since the they took possession of the vehicle, though I am not sure if they ended up reselling it or scrapping it. They never came after us, no collections attempt had ever been made to the best of our knowledge, but the account sure did show up as a charge off by voluntary repossession on his reports. TransUnion show a $0 balance due while Equifax shows just over $2800 due on it. With this information, do you think we should bother? Would the dispute process work to get it removed?
  8. The one account I received a letter for has been removed. The other account was from a different CA in Minnesota. That one was delayed a short while due to the USPS not having access to the delivery location on the day of delivery, though all addresses I have had were PO Boxes. The follow up letter for Experian was mailed on the same day and the USPS didn't give an exact reason for the delay, just that it was delayed in route to the next facility. However, I have received confirmations that all 3 envelopes were delivered successfully. There is still just the one account (from the CA in Minnesota) left on my Experian report.
  9. Ok, so I've sent the medical DV's to the CA's and the follow up to Experian. Unfortunately, Experian just received the follow up letter yesterday as it was delayed in transport by the USPS. I received a letter today from one of the accounts that were left on Experian and this is what it says, "Until verification or the result of our investigation is completed and sent to you, we are requesting deletion(s) from the CRA's. Our control of reports to CRA's is limited to reports our office initiates. Regardless of the CRA status, our client is the owner of this account(s). Weekly updates are scheduled to be sent to the CRA's electronically." This account has been removed from my Experian report. I have not received anything from the other account on my Experian report, however that letter was also delayed in the mail by the USPS, so they received it a few days later than expected, but I did get confirmation of delivery on the 17th. Is there anything I should do about this?
  10. I have not sent those out, but had them queued up and ready to go. Just wanted a confirmation. Those will go out today. Should I expect the same 30 day turn around for these as the past letters? Thanks Why Chat!
  11. Ok, its been a while, life has been busy, so here is my update. My husbands process is a bit farther behind mine as it took an update on his DL before we could get started. However, I did the initial dispute letters to each CRA. Both Transunion and Equifax have removed the accounts on my report. I now only have my accounts in good standing on both. Experian is a bit different. Of the 4 that were on my report, they have deleted 2 and updated 2, simply writing that the 2 that stayed have had the information updated and to review my report for the details. I haven't received anything from either of the CA that are reporting. I haven't gone any further in sending out any other letters just yet. I wanted to check in with you. Thank you for all your help so far. It is greatly appreciated. We have sent out the initial dispute letters for my husbands issues and now just have to wait for the responses.

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