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Everything posted by bunyan

  1. Thanks ICANHASMUNY, just read through that thread and all the agreements. Since this is not something I agreed to pay then it won't be listed I am assuming? I still might go through the DV and all that just to practice my dispute skills lol...like in this Chapelle Show clip the karate dude started fights to practice his karate skills in real life scenarios LMMFAO http://www.cc.com/video-clips/b12r81/chappelle-s-show-when-keeping-it-real-goes-wrong---darius-james---uncensored Thanks again :-)
  2. Oh chocolate Shifter really? Where does it say this at Lol. Damn auto correct
  3. It's for $22. I plan on contacting the county tomorrow to see exactly what this is for. I'm trying to get my game plan together right now. Currently Nationwide is not reporting. I'm still within 30 days of receiving my first communication from Nationwide. Once I DV what's my next steps? I'm about to start reading the pinned topics now too
  4. Hi WhyChat, Thanks for the reply. We have not moved since the date of medical service, She has not received anything in the mail yet, and when she spoke with the CA she never verified she was the person they were trying to reach, she hung up on them. (After she spoke with them, she called the OC who informed her they had an incorrect address for her. Instead of 3805 for the house number they had 385. The OC also told her they were trying to remove it but they had to get manager approval, etc) I think the date of Medical Service was 4/2015. My wife is no longer with that insurer so she
  5. All, The subject says it all. My wife called the OC who gave her an email to send her questions to. She asked them if they could contact the CA and ask them to pull the debt back and they said no. We checked and the item has not appeared on her credit report yet. I was going to follow WhyChat's HIPAA dispute process but since the item has not appeared on her credit report yet I wasn't sure if we should still follow it. I was thinking that we could simply pay the OC, then that way the CA would not have a valid business reason to report the item on her credit report. But I am afra
  6. Thanks WhyChat! I'll post updates as well Cause I have no clue how I am going to get out of paying the extra $2300
  7. Hello, Thanks for the response. The check Carefirst sent is made out to me, and they said I am responsible for the remaining balance. The EOMB says my deductible is already satisfied. In this case how should I proceed? I am guessing that I could write Pay to the order of Dr. XXX on the back of the check, and add a Cover Letter stating this is Payment in Full for the services provided by Dr. XXX's office. And send it all Registered Mail (Is that different from Certified?)
  8. Hi WhyChat. The approved amount adds up to $358. The doctor already asked me to forward them the check from my insurance company but I didn't know if I should send it to them yet or not. I understand you say they are obligated to accept the approved amount but that is not spelled out anywhere is it? My doctor definitely is not part of the Carefirst network so do not think they are obligated to accept the approved amount. I was thinking I would send them this check, then they will come after ME for the remaining amount. Carefirst sent me the check and told me to forward to the dr
  9. All, Charges incurred from ER visit for extreme abdominal pain. I was admitted on 9/1/2014 and discharged on 9/4/2014. I have 9 line items on my bill from the Dr. CareFirst BlueChoice is refusing to pay 3 of the line items because they were incidental to a Primary service on the same date. On the other 6 line items the amount the doctor billed for was more than the maximum payment CareFirst allows. The $358 is the total amount that CareFirst normally allows for those items. When I spoke with the medical biller she said this Dr does not have an agreement with Carefirst. When I called Ca
  10. Oh and my wifes Citi card is a Citi Dividends card. The discounts are nice but they only give you $300/year. Hmmmmmph. Looks like she'll be PCing to the AA Advantage or maybe one of their cash back products. Then Im gonna concentrate on growing all her current limits. Will also most likely PC her Amex green to that AMEX PRG mentioned above. I already have my own SPG Amex so we dont need two
  11. On an aside I just requested a 3x CLI on my SPG Amex. BOOM it worked. Yaaassssssss. 6 months from now my new mortgage will have hit my credit so hopefully that will increase my score a bit. Plus the old mortgage will be shown as paid off now. Then Ill ask for another 3x on my MACY's Amex. Or maybe I can get Macys to add my store card credit to my Macy's Amex then do the 3x CLI
  12. Hi Mendelssohn, DCA (National Airport in DC) I was kind of thinking that as well. Get a card that lets her earn good on general spending, yet be able to transfer points on a fair basis. Looks like we can get a free Roundtrip Coach ticket on Alaska Airlines for 25k miles. Same on their partners Delta, and AA. They also offer that annual Companion Fare (From $121) Wonder if that means the fares start at $121 then if you want to go somewhere nice the Carribbean it's more? May be worth it depending on how much more it is to go to the Carribbean. Anyone used the companion benefit yet? The A
  13. Her Citi card is not the AA Advantage or anything like that. Just a basic Citi card that shes had for years
  14. We mainly fly domestic or to the Carribbean. Just trying to get our plane tickets for one of our vacays for free using points. we spend a lot through the year, might as well let it get us some gree tix or at least an upgrade to 1st class. We prefer JetBlue but fly Delta, US Airwyas, or AA once in a while
  15. Hello, My wife has real FICO scores of 760 and up. We just closed on a refi for our mortgage (4/20) My FICO scores are from 740-760. The new mortgage is not showing up on my credit yet so I am assuming it is not showing on my wifes either. My wife has a Citi card, a Discovery, AMEX Platinum, AMEX Blue, and a green AMEX. She currently has a balance on her Discovery, and her AMEX Platinum (Around 9k total) All her limits are under 5k. We are wondering, which CC she should apply for to get the best Airline rewards? And what strategy we should use to grow her limits? I think her olde
  16. I figured they were adding in their fees by charging me a slightly higher interest rate...thanks for the reply :-)
  17. I am thinking i should be getting a lower rate though. The only cash I am bringing to the table is the amount to fund the escrow account...
  18. Hello, Just bumping to see if Brian would mind telling me if now is a good time to try to Refi or not. My credit scores are over 725 now and my wifes are still over 700 as well. Think I should pull the trigger now? Anyone? Thanks, Bunyan
  19. Ok I just paid ParkAtlanta on their website and am sending a letter to the CA informing them it has been paid in full to the OC so they shouldnt take any further collection activities. (Used a copy of the letter shifter posted in his other thread thanks man!) I am CMRRing the letter to: The Law Offices of Gerald E. Moore 3101 Towercreek Pkwy Se, Ste 450 Atlanta, GA 30339 Anyone know if that's correct for them? I'm gonna roll with that one. If this pops up on my credit report in the future ill post that as well. I just went on an app spree too! Glad I got that out of the way befor
  20. Ok. So once I pay ParkAtlanta, Moore & Crew can't report a debt because it's inaccurate. However...can't they report it as a paid collection? Just playing devil's advocate for a min
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