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clambert1273

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Everything posted by clambert1273

  1. So update on what has happened, I sent the DV's and the followup disputes back in September. The results of the disputes were nothing, they either remained for us both OR was told "not reinvestigating". All med collections are still on EQ and EX for us. The DV's got answered by the CA in the fashion I assumed they would.. They responded to each of us (same CA for both and all accounts) with a letter stating they are assigned by provider AND sent what appears to be screenprints of providers UNIX billing system that shows amounts charged, insurance and remaining after insurance. I do not
  2. Ok so medical DV's were sent and they were delivered on 9/9/19.. the same CA for his & mine so i sent 2 envelopes one for each of us with 2 DV's in each (one for EQ and one for EX) mailed the followup letters to CRA's today.. hope I am on the right track lol
  3. thanks love, will get those prepped and sent out next week
  4. GM Whychat The only update I have to the initial dispute letters that were received by EQ, EX on Aug 15 is that we BOTH received a letter from EX stating they won't investigate blah blah.... the norm for them. I have not heard a peep from EQ. I guess I am just stuck waiting some more to see if anything happens in the next week or two
  5. Just wanted to update that EQ, EX initial dispute letters were delivered today for both of us. Now the wait....
  6. Ok, got the stationary and got everything written out & sent today! Will update again when I know more
  7. 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
  8. 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 surg
  9. 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 addres
  10. 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
  11. 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
  12. 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 iP
  13. Holy cow $130K in fees [emoji849][emoji849] Sent from my iPhone using Tapatalk
  14. She knows and is watching [emoji3590] all I keep telling myself!! Sent from my iPhone using Tapatalk
  15. 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
  16. 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
  17. 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
  18. Well as always, life takes over lol For my record keeping, here is where I am at now and what's left (left off a chunk of paid/closed/never late). Comenity/Gamestop $100.00 $0.00 (30 day late 12/2016) Credit One Bank $550.00 $558.00 (120 day late 1/2017) First Premier $700.00 $784.00 (Charge off 2016 - not updating monthly thank god) NFCU $1,000.00 $0.00 (was in original BK in 2012, Removal date 10/2019, just waiting out) NFCU $15,000.00 $0.00 (was in original BK in 2012, Removal date 10/2019, just
  19. Having been where you are and in some instances currently there, how old are the charge offs and the amounts? It may be better to let it go and just clean up the collections (can be done) and using the money to put away in savings. This is what I am doing but almost all of mine are pushing 6+years at this point. As said earlier, the ones you burned will be irrelevant for now as there are others. Once those charge offs age off your report, there may be chances to renew relationships. It is just a matter of time in all things. Sent from my iPhone using Tapatalk
  20. So as of today: Waiting on my reports to arrive and his reports to arrive. EQ being their usual PITA selves and win’t let me order one [emoji849] will have to try again next week. I joined SDFCU so that I could get their secured card by the end of this year. I have a Cap 1 secured already. That would give me 4 (5 counting Gamestop card) positive revolving trades. For him, I will have to do a couple of secured cards probably but will wait and see how his cleans up since I am the only one with dismissed BK. I will be continuing medical collections first as EQ (again!) left 5 on there a
  21. I received one today from the number for Apple Care [emoji23][emoji23] With a robot voice stating “don’t do anything to your phone until you call us first... “then gave a totally different number One of my favorites I think lol Sent from my iPhone using Tapatalk
  22. My guess is that they did not post the payment to your account yet. While the payment is there, they didn’t update your balance before your first transaction. Sent from my iPhone using Tapatalk
  23. Hi Hege [emoji173]️ It is so within SOL lol charged off Jan 17... they haven’t done anything with it so I am just fighting with myself about it lol Sent from my iPhone using Tapatalk
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