Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


  • Content Count

  • Joined

  • Last visited

  1. I'm saying that I followed your guides to THE LETTER. Still am actually. I was just having fun because Equifax deleted something that they said they were not going to delete, so I ended up paying for something that I didn't have to. 🤣🤣🤣 A part of me wants to cancel the Cashier's Check (If I can), but I am just so grateful, that, meh, they can have it. It was valid and it was "only" $237. If it was one of the others, this would hurt way more! 🤣🤣🤣🤣 Thank you for your help!
  2. Ugh! Frustrated! So after confirming a second time that the medical debt does indeed still belong to the Original Creditors, I proceeded to follow your instructions to the letter, and mailed out payments in the form of cashier's checks to the OC's, using CMRR. Everythings great right? Wrong! 🤣🤣🤣 I log into Credit Karma just because I have a habit of that...and lo and behold....one of the debts were REMOVED from Equifax. 🤦🏾‍♂️🤦🏾‍♂️🤦🏾‍♂️ This is AFTER they sent me a letter telling me that they weren't removing squat! I hate Equifax!!! 🤣🤣🤣 Luckily, it was "only" $237 dollars...but I could have put that into something else! OMG! I'm researching how to cancel Bank Cashier's checks as we speak! But it's in the mail! 🤦🏾‍♂️🤦🏾‍♂️🤦🏾‍♂️ I just didn't think to look. Why would I? Equifax already responded! SMH LOL
  3. UPDATE: So I went to the location today to negotiate for a Pay To Delete in person. The office is closed due to Coronavirus. So I called the Collection Agency. My intent of calling was "just to see" if they do Pay To Delete. Right off the bat I say "I will pay X amount in full of you delete. Do you do this?" She proceeded to say "No", and then proceeded to lie and say "but if you pay in full, you can dispute with the CRA later." So I said, okay, I'll call back (my intention was to call back and get another Rep to proceed to negotiate a settlement) She said some BS about how every account doesn't qualify for settlements because it's up to the client blah blah blah. When she said the word "client", I asked her to explain. She said that for Medical Accounts that they work as the collection arms of the Medical Original Creditor's. She even said if you want to deal with the OC I can, or I can deal with the CA...." So, bottom line, I will call the OC tomorrow to see if this is true. If they ARE meerly just collecting for the OC, and don't actually own the debt, what next steps would I need to do at that point to have the most favorable outcome of deletion of of my reports? Should I pay the OC over the phone, and dispute with the CRA? Should I do something else? I'm not paying the collector, that's for sure! Thank you for your help!
  4. I wish I wasn't going through SONYMA, but they're giving me "free" money to renovate a property in a rapidly gentrifying area. I'm sure I already paid for this money with my taxes though. 🤔 LOL! OK, I'll stop by tomorrow and see what happens. I'll report back here when I am done. I really wish I just had more time to try other things, but I really want to close and get this renovation started. Renovation season should have been started back in April, but "Coronavirus", so things are backed up and I want to make sure I get a good contractor to wrap things up *this* year lol. I'll let you know what happens. Again, THANK YOU. 🙏🏾
  5. Yes. To all questions. I reached out to my Lender and she is adamant that the amount needs to be under $2,000k. She says she will rapid rescore once they are paid. I asked about the escrow thing, and she said no, the program won't allow it. ( I'm going through SONYMA) Is there something else I can do? Thank you for your time and attention! I really was willing to just walking into the JDB office, since they are local, and just try to negotiate a PFD in their face lol.
  6. Thank you for your reply! I do not recall the date of the medical services. The CRA's don't provide that information (that I can see! Forgive me if I've missed them). I do know the dates that they were reported to each CRA: Sept. 10, 2015 and Jan. 13 2016 (for two of them) So the dates of service would definitely be older. Can I still pay the OC? Or is there something else I can do? Again, thank you!
  7. Hi! I'm trying to buy a house right now, and I already have it under contract. My Lender said that I have to get my collections under $2,000. So, I need to get these last 3 Medical Accounts gone relatively quickly. I opted out and deleted old addresses. I sent the original HIPAA letter to all 3 agencies. TransUnion, Equifax and Experian verified saying it was a legitimate debt. I sent the Medical Dispute validation letters to Secured Resolutions (The CA) and the follow up dispute letters to Equifax and Experian and TransUnion. I received a letter from all 3 CRAs stating the information I disputed has been verified as accurate. No other information given. I heard nothing back yet from Secured Resolutions and it's been 30 days at this point. What can I do from here? I want to resolve this as quick as possible. I wanted to see if I can do a PFD - Pay For Delete with the CA, or somehow just pay the Medical Provider and ask them to recall the debt. Thank you for your help!
  8. Wow.... I had no idea how shady car places were. I knew...but yikes! I didn't know lol. Thank heavens for places like CarMax and Carvana.... Unless something's wrong with those guys too. 🤔
  9. Thank you all for your input! I think that we are better off apping separately.
  10. Hello! When I'm done cleaning up my last few baddies, I'm going to app for a "pry-bar" credit card that I will use to grow it into a large limit. My question is...should I app for that card with my Spouse....? Most credit card companies seem to allow both incomes on an application to count for Your individual income...so I don't see the reason to apply WITH my Spouse. Plus, this give us a chance to build our own separate high limits cards if we app separately. Am I thinking this through right? Is there an advantage to apping for a Joint Account? The only thing I can think of is sharing the benefit of all monthly spending on one card. 🤷🏽‍♂️
  11. Hi! I'm getting ready to send off a new round of disputes, and I realize that I misplaced my Social Security Card. Is there something else that I can send the CRA's besides my S.S.C.? I went to all three of their websites, and it appears they all want different things, and basically I don't trust them, which is why I'm asking you lol.
  12. Thank you everyone for your help and your insight! I will double back and refocus on getting ONE good rewards card and than growing with it. THEN (if necessary) app with different high limit cards issuers to make sure that I will always have a low utlization ratio. Thank you again everyone for your help!
  13. This is actually close to, if not THE reason. The full reason would also include the ability to handle $3,000 worth of emergency issue if I have to. Over my life, when I struggled without credit, borrowing from Peter to pay Paul, being overcome by either medical bills or car trouble... borrowing from family....$3,000 was about the average amount of what I needed at the time. So now, I need a card ideally with Rewards that I can easily put through my monthly spending of $2,700 AND can absorb an emergency of $3,000. That means the Card would need to be about $20,000 to absorb a 3k emergency, while still being under 30 percent utility. I don't ever want to have to struggle again, scratching for crumbs, to help my family.
  14. I forgot to add that my Average Age of Accounts is about 3 years, and my income is $80,000

About Us

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.
  • Create New...

Important Information