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  1. Dates are late 2016 and early 2017. I don't have the EOMBs. I think I paid over the phone. I called in to pay a bill and they said "you have these outstanding" and I paid them at the same time. They are lab services. Complicating things, it seems that the billing is done through a third party. The current company took over the service in March 2018 and has no info on anything prior. Confession: I'm not good with paper. Life overwhelms at times which is how I end up with this. On top of that we had a fire in May 2018 and were completely moved out of the house for 6 months. Papers didn't go up in flames (fire was mainly in the garage) but a lot of things were tossed. I really appreciate your help, and all that you do here. The DV does seem to be the best thing at this point. There is no question that these were mine and valid. The are the adjusted patient liability on routine lab services. I'm 80% certain that some or all were paid (the other 20% is because there is a chance that what I paid were relatively small bills from the doctor's office, which also go through the hospital billing.) I have somewhere around 10 credit/debit cards, 2 checking accounts, and no idea exactly when these would have been paid, so combing through all the statements will be tedious if necessary. The EXP letter doesn't have any tracking at all. That's what I meant by MIA. I dropped all three in a box at the same time. Two were delivered. EXP never got an acceptance scan or delivery scan. I waited to see if I got a reply just in case it was delivered anyway, but it seems to have vanished completely in the postal stream and will have to be resent.
  2. 5 small medical collections. Only one is over $100. I honestly am not sure if they have all been paid or not. I think they may have been paid to the OC over a year ago. I'm certain that at least part of them were. I opted out and sent the initial dispute letters verbatim. TU deleted all disputed items. Experian letter is MIA and will probably have to be resent. (They all were mailed at the same time, but that one never even scanned at origin.) Equifax simply updated the balance date and provided results for each item that say "We verified that this item belongs to you." (At the top section of the page it also says "consumer's dispute not specific." So, now what? I really doubt that they verified anything with the OC. I can't jump to the next step without knowing which if any of the balances still actually exist. Pretty sure if I can find the right department for the OC (hospital lab svcs) they will talk to me and tell me what they have, but what's the best approach now?
  3. I've got an account with a 30 and 60 day late from a couple years ago. Three years ago or so they reduced the credit line to where it wasn't useful, due to some other issues not with them. After the Adverse Action I didn't want to close the account and was hoping to get it built back up so set it as the payment for a very small monthly recurring amount and set it to autopay. I made a couple mistakes. When the autopay account was suddenly closed by Chase, I forgot about Barclays. And I didn't realize that the email address had never been updated and was going to one I was no longer using. So I ended up hitting 60 days late for $38. Once I became aware of it I paid it off and the account remained open, but I stopped using it entirely. This summer it was closed for inactivity. I'd like to see if I could get it deleted entirely. I'm not concerned about average age of accounts. This is the only issue on my reports and I'm hoping to do a mortgage re-fi. It probably wouldn't prevent the refi, but I'd like it to go away. So, how to I find a good address to write to?
  4. It has worked for us. We were renting a house during BK recovery. The landlord declined to renew our lease as he wanted to sell it. We had planned to stay for another year before buying another home. We ended up with a USDA mortgage (in the days when that had no MI.) We've been paying for 10 years on a 30 year mortgage and are getting ready to refi to a conventional 15 year loan. It's depressing that after 10 years we haven't paid a full 20% off the original loan amount, but we're close enough that with appreciation we're in good shape. I sure wouldn't do it for someplace you don't plan on staying in for a very long time, but it can work.
  5. We're in Ohio. My husband was, a number of years ago, part of a business in Maryland. He was the only partner not located in that state, but when it quietly folded without paying past due taxes he was the one the state eventually came after. I believe it was about two years ago that he received a letter about a tax lien. I can't find it and we were just in a really bad place at that time and didn't deal with it. I know that tax liens in general are no longer being reported as part of a credit report, however, our county courthouse does not show such a lien ever being filed. (I think it was reported on his credit until they removed them all.) I don't want to contact the state and draw attention to it, but I would like to see what exists. My husband can go to the other owners and try to get them to put in funds as an offer to make it go away, but wants to be able to show them that there is a lien and a compelling reason to come up with tens of thousands of dollars. Lexis Nexis doesn't seem to have Maryland tax court records and I don't see how to search anything online directly through the state. All other records pertaining to our home are accurate and can be viewed online with a record search here in our home county. Is it possible that a lien exists and is not recorded? It would be recorded in our locale where the property is, correct? There's an expired mechanics lien from a trade dispute ten years ago and that's the last thing that shows. (Their attys eventually agreed with our interpretation of the contract and dropped their case; the lien appears to have never been officially withdrawn but is now expired anyway.)
  6. Thanks. That's really what I meant (just trying for something simple for title, but you're right.)
  7. I recall from a few years back that folks who had once upon a time had an Amex card were able to get a new one, with it reporting the original card's issue date. Wondering if this is still possible (did a search but got pretty deep without finding anything on the topic) and if so, how do you go about it? And how far back will they go? Fourteen years after BK7 I've got an EXP FICO of 761. There's more credit card debt than I'd like (we used it heavily to start a business) but that's getting paid down. The only other factor holding me back would seem to be the average age of accounts, with the oldest only being 12 years (I'm 50+.) So, can this be done? And preferably with a no-annual-fee card? My original Amex was not included in BK, but was closed by them when I carried a balance on a card that was supposed to be paid in full every month. There was no charge off; the balance was paid. It might have been a green card, but I'm thinking Optima or something like that. (Talking 30 years ago.)
  8. We were relocated for a few months after a house fire and I had a gas account at the condo we were staying in. Despite my providing my permanent address as the billing address, I've never received anything here. I got an alert this week about a credit change and it's a collection account for the final gas bill. With all the chaos of moving back in the midst of the holidays, I never gave this account a thought. I called the gas company and got some information, and paid them directly immediately. The bill was due 11/26 and the CRA ding just showed up, so I'm guessing it was just turned over to collection the end of January. It's possible that they mailed a dunning letter to the temporary address. As it was only 10 minutes from my permanent house, I didn't change any mailing addresses while I was there and I therefore didn't submit a forwarding address when we moved back home. I have received no telephone communication from either the gas company (OC) or the CA. I'm guessing if they did send something by mail that it's been less than 30 days, but I really have no way of knowing. It's also possible that they didn't send a dunning letter at all. What's my best approach to get this off my report? So frustrating, when I've had no baddies and have been working steadily at paying down debt.
  9. My son had accrued medical debt with a practice last spring. He's over 18 so technically responsible, but was finishing college and not yet employed. He was on our insurance, but because of the deductible there was a sizeable balance. In December we/he received a payment plan offer from the practice. At this point he has moved out of state and I was prepared to resolve the account. I called in late December, said that I'd like to accept the payment plan, and gave them an amount over the phone for December and January payments. Last week a collection letter arrived. Nothing has been reported as of yet. I called the practice and was told that once it's gone to collection I absolutely have to work with them. (No, I don't, but it does mean they're not going to pull it back.) Should I send the payment (at this point I do have the ability to pay the balance) with the standard letter to the medical practice with insert A? Of course I'll dispute with the CA, but it seems like it would be better if the balance was actually paid first. Getting things fixed before anything is reported should be a lot easier than trying to get something deleted.
  10. I refinanced an auto loan with PSECU maybe 18 months ago. Gave income over the phone, got the loan. Last time I financed at a dealership was much the same. Gave employment info and income figures, signed on the line, drove away. Now I want to buy a car and applied at PSECU, and was asked for pay stubs and W2s. I'm in sales and a significant portion of my income is from commission and bonus. Making it worse, this is my first full year in my current position. I also have a substantial amount going to an HSA account and 401k, which I don't think show in my income on my W2 if I recall correctly. I also get expense reimbursement monthly including mileage which is expected to go towards my auto expense. This is routinely in the neighborhood of $500-$700/month. As an example, if I drive 1000 miles for work, I'm reimbursed $550 in mileage. At 25mpg and gas at $2.50/gal, my actual cost of fuel is $100, leaving me with $450/month to apply to my car and the occasional oil change. PSECU won't use that though, because it doesn't show on my W2 or pay stub. (I offered to provide the separate check stubs for those expenses.) My company uses a payroll service for pay checks but processes expense checks internally. So.. would I run into the same situation if I tried to get a loan from someone else? I'd prefer to do with the credit union because the rate is only 2.49% for 60 months. But I'm really frustrated right now. Any advice?
  11. The date of service is not quite 2 years ago. It's the balance that was left as part of the insurance deductible. I called the hospital billing (would have paid them directly if they would have let me.) They said they can see it, but it's out of their system and they can't take the payment. It hasn't yet been reported, but I expect will be soon. I'm at the end of 30 days and need to send a DV letter, and would prefer to get it paid and prevent it from being reported in the first place, if possible.. We haven't moved in the last 5 years and I'm already opted out. The "current relationship" info came from the hospital when I called them to find out what the bill was and see if i could just pay them. (I did that once before and was able to avoid any reporting.) I am able to pay the bill with my HSA account. I also found an old bill and the mailing address for billing is still at the Community Hospital, so that would definitely be the place to send it, addressed to the HIPAA Compliance Office.
  12. We recently received a collection letter for a medical bill from a hospital. I've verified that it's a valid debt and a current relationship with the OC. I can send a HSA check for the full amount. The services were from our community hospital that is now affiliated with the Cleveland Clinic. It seems like the local billing is still handled separately, but originates from the same office as the main Cleveland Clinic. I don't have a bill from them to view the address. If I call, I get someone in the Cleveland Clinic billing office who looks it up in a separate system. The Cleveland Clinic has someone named Mark Dill, with the title "Director- Information Security" that seems to encompass HIPAA. Should I use the Whychat formletter to OC Health Care provider, addressed to him? Send it to billing at the local hospital with the generic "HIPAA Compliance Officer" on it?
  13. Oh, and it's a bit under 3 years old so well within SOL.
  14. I've been paying the OC, and yes, they send me receipts and it's been reducing the balance. I didn't have a formal payment plan but the payments I made kept it from going out to collection for now. The balance is correct. It was applied to our deductible. The OC told me a few months back that it was "in collections", but they still took my payment without any question. It's not yet appearing on his credit report. While I've had success with any previous medical collection that did appear (thanks, whychat) it's always easier to avoid it getting there in the first place. It's only in the past couple weeks that we started getting calls, and received a dunning notice from an outside CA. Since my most recent payment to the OC was after that started... and they did send a receipt... I'm pretty confident the debt was assigned to collections but not sold. So, what I'm wondering is, should I DV the CA? Or just let it go and take the hit until I'm able to pay the balance? (At which point I would adhere to your effective process.)
  15. Been making sporadic payments on DH's bill for over 2 years now, with a litle over $1k remaining. Guess I went far enough in between that it went to outside CA. They're still taking payments when I call in and the debt hasn't been sold. It'll probably be 6-12 months before I can pay the balance in full. Started getting calls this week and received a notice from a medical collection agency. Just wondering if I should answer the letter or anything at this point, or just ignore it, continue to pay as I can until the debt is gone, then go through WhyChat's process?

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