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About clambert1273

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  1. Just wanted to update that EQ, EX initial dispute letters were delivered today for both of us. Now the wait....
  2. Ok, got the stationary and got everything written out & sent today! Will update again when I know more
  3. So before I even big I have a snag that I wanted to run by you Whychat. I only have a laser printer so no way to print in color. I do not mind writing it outby hand but I would need to get some blue paper. My question is if I got blue paper and handwrote in blue ink would that be OK? I just wanted to verify first
  4. Ok, so I have gathered our reports and wanted to mark down what we are dealing with, this will help you and I from having to scroll up and down all the time lol MINE: EX & EQ #1 - $264 EQ Only #2 - $143 #3 - $61 #4 - $250 #5 - $57 HIS: EX & EQ #1 - $388 EQ Only #2 - $250 #3 - $158 #4 - $75 #5 - $90 *All of his on EQ have the "Consumer disputes" from the first time I sent the dispute in. The ones for me all stem from the emergency surgery for ruptured aneurysm in July 2014. His range in dates but definitely from 2014/ 2015. Once the items I ordered from USPS get here, I will get the disputes out in the mail and update here
  5. Good Morning Whychat! I am back and starting to tackle these this week. Let's just say my previous attempts above, yielded nothing with the CRA's except TU lol I am going through our current reports now to see what remains medical wise. Sorry I left this hanging, I had brain surgery in May then moved end of June to a different state (again!) so now that we are getting settled, I can dig through all this again. I had reordered reports and EQ didn't send them again... so will be trying to get that one AGAIN. for record keeping: 1. I have opted out 2. Old addresses are removed from TU and EQ from what I can tell Once I get through all these pages then I can send the initial dispute to the CRA's reporting
  6. Don't cry yet!!! There will be days, weeks, months where you want to scream and throw things lol When that time comes, I used to just take a break for a bit. Trust me, it will all be fine Sent from my iPhone using Tapatalk
  7. Yup and EQ is the only one I know of that actually shows that date. There are ways to get stuff off early so just takes some reading on here. It will be confusing and a lot of WTF at first but the more you read it will start to click. Reading someone's entire process really helps to see the methods... last time I did this it took me a solid 2 years to get all cleaned up.. but it was worth it! Sent from my iPhone using Tapatalk
  8. First question, are any of the lates that are reporting occur after or during the BK? If so, that is going to hammer your score (same as me) until they start to age dramatically. If not, then that is a good thing. It isn't magic to get it all better but it is a process that will take time. I would stop disputing online period and the only time I personally have is with very old accounts that are set to be removed and even then sometimes I just wait for the fall off. Read a lot here and eventually it starts to click.. it took a while for my light bulb to go on years ago Sent from my iPhone using Tapatalk
  9. Holy cow $130K in fees [emoji849][emoji849] Sent from my iPhone using Tapatalk
  10. She knows and is watching [emoji3590] all I keep telling myself!! Sent from my iPhone using Tapatalk
  11. You are correct.. stop looking at numbers for now. Unless you are tracking mortgage fico's to purchase, then just focus on the positive and look back at where it started Sent from my iPhone using Tapatalk
  12. OK.... now that life has settled back down into some normalcy... I now have the time to start tackling... RECAP: Numerous amounts of medical collections for both myself and husband... Did initial dispute in March 2018 and am now starting back at square 1 with what remained from that. I have my new initial letters ready to go and send out on 11/1. Here is what remains (as you can see most of them are only Equifax 😡 good to know they are just as a-holish as they were 10 years ago) MINE CCP $264.00 $264.00 (EQ, EX) CCP $143.00 $143.00 (EQ) CCP $61.00 $61.00 (EQ) CCP $250.00 $250.00 (EQ) CCP $57.00 $57.00 (EQ) HIS CCS $217.00 $217.00 (EX, TU) CCP $517.00 $517.00 (EX, EQ) CCP $158.00 $158.00 (EQ) CCP $91.00 $91.00 (EQ) CCP $152.00 $152.00 (EQ) CCP $175.00 $175.00 (EQ) CCP $59.00 $59.00 (EQ) CCP $85.00 $85.00 (EQ) CCP $90.00 $90.00 (EQ) CCP $75.00 $75.00 (EQ) CCP $250.00 $250.00 (EQ) So here I will start again and be able to update as it continues!
  13. Now his list... this way I keep it updated as I go (I left off his paid/never late) Capital One $300.00 $262.00 30 day late July 16, July 17 Kay Jewelers $2,760.00 $0.00 Chargeoff removal 9/2019 Merrick Bank $700.00 $648.00 Chargeoff (removal 10/24 ) Bank of Missouri (Total) $275.00 $204.00 30 day late 2016 Credit One Bank $300.00 $276.00 never late COLLECTIONS (All medical except last two) CCS $217.00 $217.00 (EX, TU) CCP $517.00 $517.00 (EX, EQ) CCP $158.00 $158.00 (EQ) CCP $91.00 $91.00 (EQ) CCP $152.00 $152.00 (EQ) CCP $175.00 $175.00 (EQ) CCP $59.00 $59.00 (EQ) CCP $85.00 $85.00 (EQ) CCP $90.00 $90.00 (EQ) CCP $75.00 $75.00 (EQ) CCP $250.00 $250.00 (EQ) VERIZON WIRELESS/SOUTHEAST $751.00 $751.00 (EQ) This is clearly the same account as below, reporting both balances on EQ Jefferson Capital $751.00 $751.00 (EX, EQ, TU)

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