I'm and 27 and still relatively new to this process, there's no much to learn. I have been trying to build my credit for the last 3 years and it's been a slow-ish process. It was going well until I got sick and my engineering job fired me without notice so my insurance was not invalid.
There is one medical collection that has posted to TransUnion of $308 from Wakefield and Associates. From what I can see on Credit Karma, this collection is not on Equifax.
Experian I can't tell if it is posted there or not. I can see a negative collection from Experience on Discover's Credit Score Card. However, I have an energy bill that was in my name in which half ($53) was unpaid by an old roommate that's still showing 3 years later though it has been paid off since 12/9/16, so it may be that showing as delinquent/collection on Experian. It doesn't show the itemized adverse account list on that platform.
I only requested my annual credit reports for TransUnion and Equifax to have one more to pull if needed during the year. I believe I intended to pull Experian but got mixed up since I had issues with receving them online and had to do by mail.
I also just received the second and last medical collection of $568 in the mail from Account Resolution Services. This hasn't posted to of the CAs yet from what I can tell.
I'm attempting to use the HiPPA process for the $308 dollar collection. But when I went to put in the account number, which is what I did not have from Credit Karma, the CR is still showing the same account number format of 111111**** and I'm assuming that is not a valid account number to place on the dispute form. So now I'm confused.
Can someone please assist me? I'm confused and feel as though I'm missing some vital pieces of information to understanding and executing this correctly since I've been reviewing this process for months and the picture is still not as clear as I would like it to be.
Thank you for time!