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Why Chat

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    quantum theory

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  1. Have her follow the guides; https://whychat.me/GUIDEBOOK.html Have her send this to "Conduent" https://whychat.me/ltrcavalhipaa.html I am inclined to believe that the Co. that contacted her is NOT authorized as a collection agency but is a "recovery" agency of some other type. I suggest that she check all her records and see if there is any possibility that the $10,000 was received by someone else in her family. https://casetext.com/case/browder-v-conduent-payment-integrity-solutions
  2. Perhaps the CFPB complaint will get them to actually get a verification this time. Wait and see. If not, and they claim that the CA has verified then you will need to file a CFPB complaint against the CA.
  3. Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html Your initial dispute letter ( listing ALL medical accounts as they appear on the report you are disputing) should work. https://whychat.me/hipaadisp.html If it does not, come back to this post for further steps
  4. Safest way is to either wait until you are eligible for a free report or pay for a report only. The "back door" is not as easy to use as it once was. Thank you for any contributions you make to Kitty Angels
  5. link not working + I trust that you are following directions
  6. You owe the doctor ZILCH. If you wish to pay someone make a donation to one of the charities listed at the bottom of my website. If you have opted out and keep copies of your clean credit reports you can easily challenge any new JDB who tries to collect anything from you.
  7. You do not understand that reporting in no way actually reflects any reality of any debt. It only indicates what is being reported by someone who may or may not have a valid claim. Once you have successfully disputed your non student loan debts (and do NOT include any medical ones in your disputes as that is a completely different program) you can focus on getting INCORRECT data about your student loans deleted. Meanwhile try to focus on the basic steps and slow down. Panic and impatience will hurt any endeavor,
  8. Leave the student loan alone for now. Who are you paying?? What kind of payment arrangement did you make and with whom?? Meanwhile check with the resources here; https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/public-service
  9. What is still on any of your reports?? If your reports are clean then you need not do anything else except keep hard copies of your clean reports. (you can get a fresh report by using the back door)
  10. The initial dispute letter is all you need. It includes a reference to obsolescence (not SOL). It is probable that they will all be deleted with the initial dispute letter IF you have followed ALL the instructions in the programs FIRST https://whychat.me/GUIDEBOOK.html
  11. Disputing on line is a waste of time and effort and will delay your being able to use the guides I have given you. On line and telephone disputes are routed to an automated computer system administered by off shore CSRs (customer service representatives). The guides I gave you require a live human being Stateside to READ your disputes.
  12. Check out the data on the repo program https://whychat.me/repoltr.html If ALL of his medical accounts have been resolved on Eq he can start the repo program on Eq. He can do TU now Yes the dispute program should certainly get it removed.
  13. Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/SOL PROGRAM GUIDE.html The initial dispute letter (if you have followed ALL the instructions) should get it off your reports. https://whychat.me/initdispltrsol.html
  14. The original poster should try the program I suggested. If it works for him then he should let us know. If the car has not been repossessed and the OC lender has made NO effort to do so then you have a chance to get it off your reports and avoid paying anyone anything. ( I assume the delinquency is being reported by the OC) Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/repoltr.html Send the initial dispute letter to the CRAs and see what happens https://whychat.me/initdispltrsol.html IN ADDITION- THIS POST WOULD BE MORE APPROPRIATE IN THE CREDIT FORUM WHERE THE MATERIAL IN IT WOULD BE MORE RELEVANT. THE BK IS NOT (IMO) AN INTEGRAL PART OF THE PROBLEM

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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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