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Kaijo

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  1. I figured I would log the process online for any questions that will inevitably arise. I have a total of 5 medical collection accounts held by 2 CA’s (Account Resolution Services and Specialized Collection Systems.) Here is how they are reporting to the 3 major CRA’s: Equifax: I). Specialized Collection Systems Amount Owed: $250 Within SOL based upon reported DOFD II). Specialized Collection Systems Amount Owed: $600 Within SOL based upon reported DOFD III). ARS Account Resolution Amount Owed: $1,400 Within SOL based upon reported DOFD IV). ARS Account Resolution Amount Owed: $1,600 Within SOL based upon reported DOFD V). ARS Account Resolution Amount Owed: $500 NOT within SOL based upon reported DOFD Experian: I). ARS Account Resolution S Amount Owed: $1,400 No DOFD reported II). ARS Account Resolution S Amount Owed: $1,600 No DOFD reported III). ARS Account Resolution S Amount Owed: $500 No DOFD reported Transunion: I). ARS Amount Owed: $1,400 Within SOL based upon “placed for collection” date II). ARS Amount Owed: $1,600 Within SOL based upon “placed for collection” date *Please note that all 5 accounts are titled exactly as they appear per report. **Account Resolution Services is NOT bonded in Texas (my state of residency prior to accounts existing.) Progress: I am currently opted-out. My initial dispute was sent out today (5-13-19) using Why Chat’s Dispute Form with all content written with a blue ball point pen.
  2. Thanks for the info! I think I’m going to opt for a permanent removal of this account with the Texas plan as I don’t want to keep dealing with these accounts.
  3. The number I called that was able to successfully get me enrolled is : 1-877-443-0144 I believe this line belongs to Firstsource Advantage although they only identified themselves as American Express and refused to tell me what department I had called. The gentleman I spoke with was xxxxxx. In contrast to what I was expecting, he was rather polite. I simply told him that I had previously been offered an Optima card in exchange for a full payment, and that I would like to immediately take advantage of this opportunity. I insisted that I receive a written offer before I provide any payment information. After about 3 minutes and a brief discussion with his manager, Muffadal agreed to mail me an offer. I recieved the 1 page offer roughly 2 weeks later. I then called back, made a full payment, and then mailed the appropriate section of the offer form off (address listed in the header.). I recieved the card roughly 2 weeks after this account reported as paid to the CRA’s. The whole process took about 5 weeks.
  4. Yes, I’ll post it later when I get home.
  5. I just recieved my Optima card! I had a $2,200 CO. It took many calls to find the right department to offer the card, but eventually it all worked. I doubt AMEX cares about what the reasoning is regarding a CO. Mine was due to medical reasons as well...
  6. So I have a Certificate of Fact from the SOS showing that a CA (on my report) is not bonded. Is their any specific verbage I should use or a template available? This CA is reporting three accounts on to all 3 CRAs. Also, since the same CA is spelled differently on each of the bureau’s reports, I ordered 3 different certificates from the SOS. Do I send the original the SOS sent me or will a copy suffice? I’m only asking as each copy cost $15 and I would like a copy for the BBB should I need to contact them as well. On second thought, would it be wise to contact the BBB at the same time I send this dispute to the CRA’s in an attempt to expedite the process? Thanks in advance for all help! Cheers, Kaijo

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