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phyregold

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  1. Have you ever gotten a DnB number? I tried but their website confuses the hell out of me.
  2. I was hoping for some replies! So here is an update. I've got my corporation papers in the mail and now I've also gotten my EIN. Tomorrow I am going to get a net 30 account with Home Depot. Is a DnB still worth it?
  3. Hi everyone! My wife and I are starting a new business today for basic landscaping and minor tree work. We're in need of purchasing some equipment specifically 3 items. A zero turn mower - a stump grinder - and a trailer for hauling said things. What we're wanting to do is get that equipment financed via either a credit card or a business line of credit. We know we can purchase the mower at Home Depot and the trailer at tractor supply co. The stump grinder we're still working out but since this is the first time we're establishing a business and trying to use credit we're not sure of where to turn. I've seen videos on youtube saying you can get 50k in credit but i'm not paying for a course. My question is this - once we have the LLC formed what are the steps needed to get the credit lines like i mentioned above? Is it possible to not be a guarantee?
  4. well I sent the letter off WhyChat and they responded. They sent this to collections (Credit Collection Services). The healthcare provider had said I owed 2,700$ and now collections wants 4300$.
  5. Thanks WhyChat - I just want to make it clear - we have voicemails not recordings of conversations, but yes we'll take the advice.
  6. Thank you for the Easter reply but it I could have waited! It has not gone to collections - they are threatening to send it to collections because we don't want to pay because we were told it was covered by them.
  7. Hey WhyChat - as I understand you're concern about the voicemail it is most certaintly from the medical provider. It's from the same agent she called into and then returned her phone call. The agent called from their number leaving his full name. This voicemail is about 10 months old and comes 1 day after she called in. She called in asked. Medical provider said they would call insurance provider and call back. Medical provider called back and left voicemail saying they checked with insurance provider and there would no no out of pocket expenses. Sorry - maybe your context is these bills from the provider are a scam - i can assure you they are not. We've called in and they said we owe, we said we have voicemails from your employees saying there would be no costs and that the medical providers employee contacts our insurance company and confirmed there would be no cost. if there were costs we would not have gotten the test.
  8. No - but sorry, I wasn't clear. The voicemail came from the testing company that we would not be charged.
  9. Hi all, I'm not entirely sure what to say. My wife was pregnant with our third child about 14 months ago and the doctor wanted us to get genetic testing done. So we called into both our insurance and to the medical test provider to see if there was no cost. Well both of the providers got back to us and said there is no out pocket costs and we would not be responsible for any payment. When the medical provider called us back they left a voice mail that said "We've checked with your insurance and there will be absolutely no cost and 0 out of pocket expenses to you. You're completely cleared to take the test". Not about 14 months later they said they've made a mistake and want us to pay 4k. They're sending us bills and threatening for it to go to collections. Our insurance company did send us a check for it was only for 500$, we're not sure what to do but we feel we shouldn't have to pay. Any thoughts?
  10. I appreciate the input, but there is a difference between needing 10k for a downpayment and 42k for paying off medical.... Seriously, what do I need to do after my initial disputes?
  11. No I don't. I was kind of hopign WhyChat might chime in, I don't know what to do after the initial dispute letters. Do I do a DV or what/
  12. Sorry your correct. I have 617 and need a 640 (FHA 203k). I also do not have a cosigner so this close I'd like to get over this little hump left.
  13. Here's where I am. My goal is to get my credit score to 650 for a mortgage and I currently have a 620 (after initial disputes). Opt Out Done Dispute Addresses Done Initial Dispute Done I did not dispute any medical accounts (i don't have the money to pay them offc The initial dispute went fairly positive I would say 50% of all accounts that I have were deleted. I guess where I'm stuck is what do to next for thr accounts that were validated. They where things like utilities and credit cards. I'm far outside my initial 30 days and some accounts are within their SOL. Thanks!
  14. I can - i think you miss the order here. 1) JDX Accounts 2) Debtor says i have bank 'x' 3) JDX Over 4) Debtor gets new bank 5) They're perfectly safe because it's after JDX I'm not missing the point - I do understand it. But you have to hope that the person has enough liquid-able assets to clear whats owed + cover the fee for the sheriff to process real estate sales. Then its going back to court and stating you went to levy the account given in the previous proceeding and the account was closed. No judge in their right mind will consider that proper, and might sanction the defendant for contempt. No the account ins't closed, just funds withdrawn. I appreciate the effort but my attorney is telling me it happens all the time. And they don't have an account to chexsystem and thats why i'm looking to see if someone knew how to get that.
  15. I can - i think you miss the order here. 1) JDX Accounts 2) Debtor says i have bank 'x' 3) JDX Over 4) Debtor gets new bank 5) They're perfectly safe because it's after JDX I'm not missing the point - I do understand it. But you have to hope that the person has enough liquid-able assets to clear whats owed + cover the fee for the sheriff to process real estate sales.

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