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  1. Hi WhyChat! And thank you for all the information you have provided. I have an additional question on the UNPAID NONMEDICAL COLLECTION that I am dealing with. I want to make sure I am clear on what your suggestion was in your last post. I should let the account sit as is and leave it alone. But, if I don't pay it off or do something about it, the late payments report each month on this account. Doesn't that hurt my score? I understand that if I pay it off, it will show as a PAID COLLECTION and will create a new "start" date as of the payment date. And that new "start" date
  2. Ok....all other credit issues are cleaned up. The only thing left is the NON MEDICAL Collection for $369. It was a Justice Store Card issued through Capital One. It is still under the SOL for store cards in Indiana. Last payment date was 10/25/18. The entire balance of $369 consists of late fees and interest. Capital One sold this debt to a JDB in June 2019. And now the JDB has a CA trying to collect for them. I sent a DV letter to the CA on June 29, 2020. And that was a BIG rookie mistake 😭, not knowing you shouldn't do that if debt is in the SOL. Response from CA about 40 days lat
  3. INDIANA STATUTE OF LIMITATIONS Open Acct.: 6 WhyChat - This is from your links. It is unfortunately 6 years.
  4. WhyChat - The debt is still in SOL. My state has SOL of 6 years. The credit card was opened in August 2018 with last payment made in October 2018. The balance showing owed is $369, which is an accumulation of late fees and interest up through May 2019. The debt was sold to JDB in June 2019. The debt is only about 2 years into the SOL. The CA is reporting to ALL THREE CRA's. I guess I messed up on trying to fix this NON MEDICAL COLLECTION, and I really need to get this off my credit report. If Pay for Delete is suggested, please let me know. If there is another
  5. I did not mean that. i started a sentence and did not go back and delete that. I know they wouldn't be able to send the signed card. 😌 The balance due is $369, which are mainly late fees charged by Capital One. Should I sit back and wait to see if anything happens? What about Pay for Delete? Or make payment in full and be done? I really want this off my credit report. It is the only thing left on there that is dinging my scores.
  6. I am still working on the medical collection that Eq did not delete, so have not followed up on anything regarding the DV letter I sent for the NON MEDICAL Collection on my credit reports. But, I did receive a response from the CA to my DV letter. The CA sent me copies of credit card statements from August 2018 - June 2019. On the June 2019 statement, the is an attachment with the Capital One Card Member Agreement and a statement that the account was acquired by Bureaus Investment Group Portfolio and they own the account and may contact me directly, through affiliates or a third party. The
  7. Is there a chance that sending the CA the LETTER TO COLLECTION AGENCY ON MEDICAL ACCOUNT REPORTING AS PAID, then sending Eq the FOLLOW UP DISPUTE LETTER FOR BOTH TO CRA will trigger the CA to report again to Tu & Ex that ithese are a paid medical collection? Both Tu & Ex deleted these collections from their reports after getting the NEW INITIAL DISPUTE LETTER? Or with having the written notices from Tu & Ex, will that suffice for them to have to keep this off my report if the CA decided to report this as Paid Medical Collection say in 3 months?
  8. I am following the guide. However, I did not request deletion of old addresses. I will be sending those letters out today. How far back should addresses be deleted? I have three different addresses between 2016 and Present. I should probably keep those three and delete eveything else.
  9. I was just looking over the letter sent to me by Eq showing the paid medical collections were valid. It is interesting that the letter is addressed to me with my name misspelled. Is there anything to use there to get Eq to delete due to that?
  10. Last on time payment on NON medical debt would have been Sept or Oct 2018. On the medical accounts, one shows Date of 1st Delinquency of 3/2015, Assigned 01/20/16 and paid in full 7/2016. The other one shows Date of 1st Delinquency 5/2015, Assigned 10/2016 and paid 12/2016. I don't have the actual bills or EOB's from those medical services. On the NON medical debt, I should wait until I resolve the medical debt with Eq before sending any additional correspondence to the CA or to the other two CRA? Thanks for all the information!
  11. Just to clarify. I misspoke on the dispute to the CRA for the NON Medical account. I did not dispute the account or request DV. Instead, at the request of the mortgage lender looking to refinance our home back in May, I requested they CRA's remove the word "DISPUTE" from the Comment Section of the Credit Report for this CA. 😧
  12. Thank you Why Chat! Let me back up on this. First want to clarify the medical collections reporting as paid. Here is what I have done so far: 1) Opt Out 2) Remove Old Addresses - did not do. 2) Send Initial Medical Dispute in blue ink to all three CRA. 3) Received responses: TU & EX deleted from credit reports. Eq verified the debt with a reporting date from the CA of July 7, 2020 Next Steps should be: 4) LETTER TO COLLECTION AGENCY ON MEDICAL ACCOUNT REPORTING AS PAID 5) FOLLOW UP DISPUTE LETTER FOR BOTH TO CRA. If
  13. I did the Opt Out, but have not deleted old addresses. I will first delete old addresses with Equifax, then send the two recommended letters and hope that will end with a Delete on this item. I have an additional question regarding a DV I sent to a CA that is not a medical collection. The letter was signed as received by the CA on 6/29/20 and I have had no response. This is an unpaid collection, which I think is a compilation of late fees. The current CA is not the original CA. The current CA sent a collection notice on June 15 and offered to have me pay a smaller balance to
  14. Today I received the last response after sending the CRA initial dispute letters for Medical Collections that have been Paid. Both TransUnion & Experian deleted the accounts from my credit report. Equifax did not. They responded with "We have researched the collection account. The results are: We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED: *STATUS DATE *BALANCE DATE *ADDITIONAL INFORMATION. If you have additional questions about this item please contact: Name, address & Phone for the medical collector office." So these paid medical colle
  15. Thamks Why Chat! I have my three initial dispute letters along with credit report copies of accounts circled ready to be sent out in the morning. I am working on a validation letter for the credit card debt that was apparently sold to a junk debt buyer. I will post any updates to see where we go from any responses I receive. Feels good to take control of my credit report that I had been ignoring until things hit the fan! Hoping these things won't take too long to resolve. I've gotten myself in a not so great situation due to letting my credit usage, type of account mix and not having any
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