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Tsncredithelp

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  1. Does this look good for the first letter I should send out? Attention; CA Name I am formally requesting that you validate all tradeline listings you have submitted to the three major credit reporting agancies by CA Name for me, My Name, under account numbers, (list of all 16 accounts). Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in the form of a verefied statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline. Within 30 days of this notice, either answer these demands or remove the associated negative tradeline notations from the credit reports, actions which contraindicate evidence or your intent to abridge one or more civil rights. Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaints being filed pursuant to federal statute. Thank you in advance for your anticipated cooperation. (I will have this letter notarized also)
  2. Does this look good for the first letter I should send out? Attention; CA Name I am formally requesting that you validate all tradeline listings you have submitted to the three major credit reporting agancies by CA Name for me, My Name, under account numbers, (list of all 16 accounts). Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in the form of a verefied statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline. Within 30 days of this notice, either answer these demands or remove the associated negative tradeline notations from the credit reports, actions which contraindicate evidence or your intent to abridge one or more civil rights. Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaints being filed pursuant to federal statute. Thank you in advance for your anticipated cooperation. (I will have this letter notarized also)
  3. I checked the instructions whychat gives but I am still unsure what to do first. I don't want to end up sending the first step and it being the wrong thing to do. Can someone please talk to me and lead me through the process and steps to use? Which letters to send first so this is done correctly and I don't ruin my chances of having it deleted? If I can't find help I think I may have to use a credit repair company. I have been using Lexington Law and they have risen my score almost 100 points but I still have 17 negative medical account in collections and they only do 3 per month. This is taking to long so I just found another company called Fortresscreditpro and they only get paid per deletion and work much more quickly. If I can get a little help from someone to stop paying these companies it would be greatly appreciated. Please and thank you
  4. Do I start with this. https://whychat.me/hipltr.html This seems to be step by step instructions I am looking for but I am unsure if this is exactly what I need. Can anyone help lead me in the right direction?
  5. If I cancel my Lexington Law membership and I send out disputes myself, will I be red flagged because some disputes are already sent out with Lexington and my disputes and their disputes will cross paths
  6. Is there any step by step instructions on how to dispute all my negative reports on my credit report from medical bills or what method to use to get them removed? If I cancel Lexington Law I don't want to end up making a mistake. I would love step by step instructions with sample letters to input my personal info
  7. I would love to do it myself it were that easy. I work 3 jobs and need these negatives removed quickly. If I do it myself it will take a long time for me to figure out how to do it properly. Everyone keeps telling me what not to do but no one wants to show me where to start. What kind of letter? Is there sample letters? After I send a dispute to challenge all 17 medical bill accounts, what do I do after if it doesn't work? I don't know where to start
  8. I am aware that all accounts need to be deleted hence why I am trying to get them deleted. I was working on paying them off but learned that even if all accounts a paid off it will not repair my FICO score so I am attempting to try to get them deleted for full payment. Some of these accounts are from 2017 and older from prior years but none are 7 years or older. The amounts involved are some bills as low as $64 and as high as $300 all 17 accounts adding up to about $2200. I never had an agreement with the practitioners at the time of service. I had lost my health insurance and the practitioners were willing to see me anyway knowing I had no insurance. I wan not told I would be billed nor was I told I wouldn't be billed. I am working with Lexington law and have had a few removed improving my credit slightly. I just found a different company called Fortress Credit Professionals that will dispute all accounts at once and I will only pay for each account that gets deleted. Not sure what to do. Stay with Lexington and have the notarized letter sent that will include a request to have all 17 accounts verified or should I send a request for an agreement for payment for deletion again stating that I will not pay because it does not benefit me unless they are willing to delete?
  9. I have 17 medical bill accounts ruining my credit. I started paying and after 2 accounts paid I noticed my FICO score not improving. I sent a payment for deletion request but it was not accepted. I offered to pay in full all 15 remaining accounts if they would delete all of them from all credit bureau's. They did not agree. Should I now request them to verify all accounts or would it be a better idea to send a second request for payment for deletion stating that I will not pay if it will not improve my credit score. So if they want to get paid at all they need to accept my offer for full payment for deletion. I'm not sure what to do. Should I send a notarized request for verification of all accounts or send a second request for payment for deletion stating I will never pay if they don't agree to delete after full payment? Any help appreciated

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Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
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