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Paj315

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  1. The non medical collection is recent, from Jan 2019. The original signature was in 2016. The bill is for unreturned equipment that was def returned, because they sent me prepaid shipping boxes but I now have no proof that I sent them back. This is the only negative left on one report. It appears on another report but that report also has a medical that I’m working on so I’m leaving that report alone for now. I just want to get as much done as soon as I can. I’ll check out the link. Thanks!
  2. Thanks Whychat! You’re amazing! So one report has only the non medical collection to convergent CA left for $145. OC is dish network. The CA sent me an original bill from dish network and also another paper that I signed when the installer came years ago, the account is only in my husbands name but it’s my signature, I’m not on the account at all. How would you suggest I handle this account?
  3. Also the reason they told me to settle the debt is because they will sell the debt to a different agency and that agency will put it back on.
  4. One more question. I tried to pull fresh reports over the weekend and I was unable to get them because they said “unavailable due to a dispute in progress”. Is this normal? What site do you recommend pulling them from if you’ve already used your free annual credit reports? I have an Experian credit monitoring subscription, but I know you’ve said in another places not to use 3rd party services for dispute purposes.
  5. Also Equifax sent me an email that the reinvestigation has began. I never even provided them with an email, I find this very weird.
  6. So my credit Karma updated this morning and both medical collections have disappeared off my Transunion report and Equifax has a note on the only one that appears on it as being under reinvestigation. This is all after the verification letter that I sent 2ish weeks ago not the hipaa letter. I have the hipaa letters all ready to send out but I’m thinking maybe I should wait and see what Equifax turns up for me after the reinvestigation? What do you think? It’s also been suggested to me that since one of them now doesn’t appear on any of my reports, that I should call the CA and settle the debt or else they’ll just put it back on the report. What do you think about that?
  7. Ok. Got it. I’ll work on opting out and addresses and then see where the current letters take me. Here’s the template that I used if that helps at all: SampleCreditInvestigationDisputeLetter.docx Date Your Name Address Credit Bureau Bureau Address To Whom it May Concern, I've just reviewed my credit report and have noticed there are several items on my report that I am requesting that you investigate per my legal rights under the FCRA – Fair Credit Reporting Act: Chase VISA Acct: xxxxxxxxxxxxxxxxx: This account is listed as being 30 days late. Please verify that this account was indeed late as you report or I demand that you delete all late payments from the account and/or delete the account from my report. (List one account aspect per account that you wish to have investigated such as late status, account number, date of last activity, balance, opening date etc. Change the aspects that you investigate with each subsequent letter that you send). Sears Acct: xxxxxxxxxxxxxxxxx: Please verify account number is as you report or I demand that you delete all late payments from the account and/or delete the account from my report. (List one account aspect per account that you wish to have investigated such as late status, account number, date of last activity, balance, opening date etc. Change the aspects that you investigate with each subsequent letter that you send). Universal Acct: xxxxxxxxxxxxxxxxx: This account is listed as being 30 days late. Please verify that this account was indeed or I demand that you delete all late payments from the account and/or delete the account from my report. (List one account aspect per account that you wish to have investigated such as late status, account number, date of last activity, balance, opening date etc. Change the aspects that you investigate with each subsequent letter that you send). In addition, there are a number of credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed: (ONLY do this obviously with old NEGATIVE accounts) Diner's Club Acct: xxxxxxxxxxxxxxxxx: GE Consumer Card Acct: xxxxxxxxxxxxxxxxx: Macy's Acct: xxxxxxxxxxxxxxxxx: I have enclosed a copy of my driver's license, social security card and utility bill as proof of identity, social security number and residence. Sincerely, Your FULL Name Social Security Number Date of Birth
  8. Ok will def hold off on dealing with the non-medical then. Yes, I’ve read your guidelines. My main question though is do I need to wait any amount of time before I start your way of doing this, since I sent out the other letters that I was advised to send just last week? Do I need to wait until the investigation is over on those?
  9. Good morning! I’m trying to get my husband and I’s credit repaired. I started the repair based on information from elsewhere, so I’ve done a few different things and just last week mailed some letters. I received a private message from someone on another board suggesting that I check out WHYCHATS HIPAA method. It sounds like something I want to try but because I’ve already began some of the processes from other’s suggestions I don’t know where I should start. Here’s what I’ve done so far. Husband’s report One paid medical collection from 2016 - Paid in full in 2017 to CA- reports on 2 bureaus as such- I’ve currently sent Verification letter to the CRA and what was called a 609 letter to the CA (last week)- I had previously sent 2 Goodwill letters APRIL and MAY One paid medical collection for $40 also paid to CA in May reports on one bureau as being unpaid. Have included it in letter to CRA for verification, also 609 letter sent to CA One Paid medical collection for $78 also paid to CA in May reports on 2 bureaus as being unpaid. Have included it in letters to CRA for verification also 609 letter sent to CA One unpaid non medical collection OC DISHNETWORK for $145, held by a CA, considering trying to pay dish network as this is a recent (within the last year) collection. My report One unpaid medical collection for $159 from 2016, Verification requested from CRA received debt validation from CA, not sure where to go from here, as I have sent another round of verification letter to the CRA just last week and this was included on it. One unpaid medical collection for $302 (or $304 different amounts across the CRA’s) Included in verification letters to CRA, have not received anything directly from CA, not even a bill as far as I’m aware. Did contact original medical provider to try to make payment and they refused to take payment. Also included this in a CRA verification letter last week. I can copy and paste the verbiage of the letters that I have recently sent if that helps at all. Thanks in advance for any help you can provide.

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