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  1. Hello, I am new to CreditBoards, but have been pouring over the material and am very excited to begin my credit repair. I have triaged my reports and am looking now to tackle a number of old accounts that went to a collection agency for medical services. All of these accounts went to the same collection agency (for services at two local hospitals) and range between 6 and 2 years old. I paid the CA in full, directly, for all of these accounts. The CA is Skagit Bonded Collections, a local collection agency in northwest Washington State. I have 7 similar accounts on my credit reports from CA Skagit Bonded Collections. I read PsychDoc's very helpful sessions, and have begun reading up on Why Chat’s HIPAA program, but have been unable to locate a clear path for what to do to have these removed from my credit reports, if possible at all. I am sure I can find it in Why Chat’s excellent material, but so far I have been unable to locate information for when the CA was paid instead of the OC. If memory serves, I simply went to the CA and paid out of pocket for all of these services once I knew I owed them. I may have set up a payment play or two. I am not sure if I signed or turned in anything to the hospitals at the time of services, but I doubt it. The pay status on all accounts is, "Account Paid in Full; was a Collection." The responsibility on all accounts is, "Joint Account." I was married at the time I paid all the accounts and incurred services, but I am now divorced. Some of the account remarks state, "ACCT INFO DISPUTED BY CONSUMR; >PAID COLLECTION." While others just say, "PAID COLLECTION." I do not remember disputing any accounts, though I may have said I never received any notice that I was to pay. I moved around quite a bit during this time, so that may be why I did not receive bills. I just moved again, and am awaiting my new driver's license and once I receive that, will begin work on deleting old addresses. But, I wanted to get going on this so I am ready once my old addresses are (hopefully) removed. Do I begin by writing to the hospital directly? Or should I write to the CA, who I paid in full for all services after they went to collections? Does anyone have a sample letter, or can you point me to one, that deals with paid CA accounts (paid to the CA) for medical services? Should I begin with a Goodwill Letter? Or should I jump right to a different kind of letter? And one non-medical related question - Can I get old addresses removed if I do not yet have my new driver's license with my new address? If yes, how so? Or should I wait until my new license arrives? Any and all information is very welcome. Again, I am relatively new, so if I am completely missing something, or there is a post somewhere that answers all this that I have yet to find, please let me know. Essentially, I just need to know where to begin/what to do. Sorry for the long post and let me know if any additional information is needed. Thank you!
  2. I'm a newbie who seems to have slipped through the cracks. I had 2 credit cards with HSBC Nevada that were closed a number of years ago and reported accurately. I recently checked my credit reports (1st time in years) to find charge offs on two from HSBC and and additional 2 collection companies on all three reports. On the report that didn't have OC as HSBC, showed Cap 1. I disputed all online before reading the boards to find out it was not the best decision. Also called Cap 1 because I have a CC with them and was confused. Cap 1 informed me that they now hold the other company's cards and could only find my current card. They told me to dispute. I then received a letter from them for each card stating: "We have received your CB dispute regarding card services account. We have completed our investigation and the above-referenced account has been purged from our system. In addition, we have instructed all relevant major consumer reporting agencies to delete ANY reference of this account from your credit reports. Please allow up to 60 days for the info to be reflected on your reports. We apologize for any inconvenience." My problem is that before I called them, 2 CRA's completed the investigation in 3 days and verified the collection accounts (Midland and Calvary). EXP noted the dispute as meeting requirements but never even acknowledged Calvary either way. I think they forgot to investigate it. Also, one CA lists HSBC as the OC and the other doesn't list an OC at all. I don't know what I should do next. Any answers?
  3. Hello, I am new to CreditBoards, but have been pouring over the material and am very excited to begin my credit repair. I have triaged my reports and am looking now to tackle a number of old accounts that went to a collection agency for medical services. All of these accounts went to the same collection agency (for services at the same hospital) and range between 6 and 2 years old. I paid the CA in full, directly, for all of these accounts. I read PsychDoc's very helpful sessions, but have been unable to locate a clear path for what to do to have these removed from my credit reports. Do I begin by writing to the hospital directly? Or should I write to the CA, who I paid in full for all services after they went to collections? Does anyone have a sample letter, or can you point me to one, that deals with paid CA accounts (paid to the CA) for medical services? Should I begin with a Goodwill Letter? Or should I jump right to a Nutcase letter or something different even than that? Do I reference HIPAA in such letters? Any an all information is very welcome. Again, I am relatively new, so if I am completely missing something, or there is a post somewhere that answers all this that I have yet to find, please let me know. Thank you!
  4. Hello and Thanks in advance for your help. Well, the roaches have come out and I have recieved two different letters from medical collection agencies after a mortgage pull. I honestly do not know if they are valid debts. They are not currently reporting on any of my credit reports, however, I am positive that they will of I don't respond to their letters. One of the letters as a service date of 2/10/2011 for a balance Due of $900.00 the collection agency name is xxxxxxxxxxxxxxxxxxxxxx The other letter is From xxxxxxxxxxxxxxxxx for $96.30 it does not have a service date on it. Should I send the Medical Validation Letter to the CAs from WhyChats page? I want to make sure I handle this properly in the right steps. Thanks again for your help.
  5. == One and half year ago, June 2012 == About one and half year ago, I had gone to an apartment complext, to discuss with them about lease transfer from my friend who was staying there. Obviously I had parked in the "Future Resident" parkin spot. By the time I buzz my friends door and call him down, and enter the building leasing-office, I am told, that a parking-notice ticket was served. (I honestly do not remember about that ticket. Don't remember seeing it, or anything about it.) == January 2013 == I have started monitoring my credit score using myFico thing and it has been showing excellent score. Dec. 2014 my score stood at 800 == 15 Dec 2014 == I was talking with my bank about my mortgage, where they mention me about the "Collection account" in my credit report and my actual experian score being 668. Upon further enquiry, I found that I have a "collection account" in the amount of $75. from == Collection account == ACS FINANCIAL LLC Address: PO BOX 55849 SEATTLE, WA 98155 (206) 367-1720 Account Number: XXXXXXXX Original Creditor: PLATINUM PARKING LLC Address Identification Number: 0XXXXXXXXX0 Status: Collection account. $72 past due as of Jan 2014. Status Details: This account is scheduled to continue on record until Apr 2020. Date Opened: 11/2013 Reported Since: 01/2014 Date of Status: 01/2014 Last Reported: 01/2014 Type: Collection Credit Limit/Original Amount: $68 Recent Balance: $72 as of 01/2014 This single item is dragging my score down by (probably) 100 points. I have tried to contact the original Creditor and CA people over phone asking if there is any way of removing this collection account against my name, and I was not successfull. I am thinking of following three options (in order of likelyhood) 1. Contact Lexington-Law and with their help ask the original creditors to let go of the original credit, with incentives. 2. Pay of the Collection-Agency full amount ( Q : Can any one tell how much it will impact my credit score ? ) Can someone with experience with small amount (<$100) collection-account please help me out with what is the correct course I should take ? Also I did not understand why my "FICO" score from equifax is "800" but my bank-person is saying experian score is "668" ? Can they have such big differences in them ?
  6. Hi ICANHASMUNY, hodap2001 and LynnInMNall, I was recommended by Student Loan board to post my thread here. I took out a student loan around $100K since 2009 from the CFI Foundation. I made monthly payment on time until November 2012, when we moved to a new address and didn't receive the bill on time. Details of the loan: Loan Name: North Carolina's EXTRA education loan OC: College Foundation Inc. (comment on my CR: Claim Filed with Government) NCSEAA purchased the loan from CFI and now assigned it to a CA. Guarantor: NCSEAA . The promissory note I signed can be found at http://cfnc.org/stat...pdf/EXTRArr.pdf Some articles online mentioned that the loan can be a private loan or state loan (similar to private?). I didn't pay much attention to the issue as I was not aware and monthly payment of $1000 was not an issue to us. Also I was busy with our new born baby, job change and relocation. Recently, we're looking at buying a house then I came to realize the student loan is in default and damaged my credit score pretty badly. Fortunately, I stumble upon this site and found a lot of valuable information. I called the original creditor CFI and NCSEAA then the CA. The CA told me that it was a state loan so it doesn't qualify a rehab or settlement. I can only set up a repayment plan or initiate a settlement on my own. If working on a repayment plan, I need to provide some personal info over phone, including SSN, Employer Name and contact info, and Monthly salary and living expense or any mortgage I'm taking, and current home address. If working on a settlement, I need to email or mail them to propose a settlement offer. My questions are as below: 1. Did I expose to the CA too much of myself? I confirmed last 4 digits of my SSN, provided a mailing address (mailbox) and acknowledged it's my loan. 2. How should I continue communicating with the CA? via email as they suggested?or phone call? or certified mail? 3. To minimize the negative impact on my credit score, should I choose to settle or work on a repayment? If not much difference, should I settle to permanently eliminate the issue. 4. If I want to settle, the CA asked me to propose a settlement plan in writing, is it OK for me to do so? If OK, do we have a template to use? My plan is to propose 40% of the total balance to settle and then they may negotiate it up to certain percentage we both can accept. The lady I talked to said it's very unlikely for the OC to accept 40% settlement but I would like to give a try. I believe the lady at CA just wants to see how much money they can get out of me now. 5. For the settlement, I'm planning to have the CA send me a settlement letter to delete the negative TL on my CR and a certified copy of your master promissory note with a paid-in-full stamp on the note with an authorized signature. Is it possible? Who should be the authorized signer on the settlement letter? Someone from OC? If they don't agree to provide any settlement letter, what should I do? 6. If working on a repayment plan, CA asked for 20% down payment. I said NO, but it seems that I don't have any leverage with them but accept whatever offer they throw on the table. Any other suggestion? Is it still possible to receive a mortgage from a bank by the end of this year 2015? My current score is 673. Thank you very much!!
  7. Hi all, I have an account open with Portfolio Recovery Associates from 2012 that I have been disputing and I just noticed it's reporting as a revolving account but says it's collection in the comments with Equifax- is this allowed? The report says I have 0 accounts in collection so I know it's not registering as a collection but I didn't think CA could identify as a revolving account? It's a small amount from Capital One that quite honestly, I don't remember being associated with. They offered me a settlement but I turned it down. I was going to attempt for a PFD but wanted to check if this is grounds for a dispute first. PORTFOLIO RECOVERY A Company/Account Name: PORTFOLIO RECOVERY A Company Address/Phone: Riverside Commerce Center 120 Corporate Blvd Ste 100 Norfolk, VA 235024962 Account Number: XXXXXXXXXXXXXXXXXX Date Opened: 06/20/2014 Last Activity: N/A First Delinquency: 09/2012 Type: Revolving Rate/Status: High Credit: $581 Terms: N/A Balance: $581 Past Due: $581 Most Recent Date Reported: 11/06/2014 Comments on Account: Consumer disputes after resolution, Collection account Thanks all!
  8. I have two collection accts. with Midland. One is for $870 and the other for $940 or so. I have disputed (the original amounts were incorrect) and they came back corrected and verified. Should I attempt PFD? If that's a no-go, should I PIF or just try to settle for a lesser amount. They send me offers every few months to settle for around $540 each. It's another 3 years before they SOL is up and I'd like to get them off/paid before then so I can get my credit back in order.
  9. Even though an OC has a debt being collected on by a CA, if I send a DV letter to the OC to find information on the account doesn't the OC have to respond to my request per TFC law?
  10. Hi all - I've been trying to clean up my credit & like many people have some bad marks from years past..unfortunately, two of them relate to Portfolio Recovery Associates which is seeming to be IMPOSSIBLE to deal with. 1. I had a store credit card that I fell late on and it went to collections in Feb. 2013. I called and for someone to agree to a Pay for Delete so I paid the entire balance in Dec. 2013. I later found out this was the worst idea ever because they didn't delete anything and seeing I trusted their word, I have no proof that that was the agreement. So now I have this account sitting on my credit report as Paid in full, was a collection. 2. I had a Capital One card with a limit of $300 that went to collections in Mar. 2013. It's now showing as purchased by PRA in June 2014 with a original amount of $581.00. I'm not sure what happened to Mar 2013 - June 2014? I don't see anything else on my report for this account in these months.. Any ideas on what to do with this company, they won't agree to a Pay for Delete but I'm really hoping to get this thing of my reports! I've seen people mentioned requesting validation and I've thought about that but I'm a bit confused on the whole process.. Thanks in advance!!
  11. So Sorry I have tried searching to no avail and have spent hours looking and reading the threads....Sent CA debt validation letter and 8 days after they signed for my letter they sent another standard collection letter. Is there a sample letter regarding continued collection activity? I have won a couple of cases I took to court previously(with an attorney) but all I really want is the debt deleted and an agreement not to resell or assign to another debt collector....I know the info must be here somewhere--can someone please point me in the right direction? Thanks much
  12. Looking for some advice on dealing with this collection agency Portfolio Recovery Associates. Same old story, I went thru some very hard times about 4 years ago and now im dealing with the consequences. Recently Ive been contacted by Portfolio Recovery Associates regarding TWO accounts that they have purchased and are now trying to contact me about settling debt. One of the accounts is an old GE Bank Credit Card (Walmart) that is out of the Statue of Limitations in my state. (im in Texas and I believe the SOL is 4 years on debt.) The letter that I received regarding that account is has this text written on the bottom: "Because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency." The letter also states that they bought the debt from "ARROW FINANCIAL SERVICES LLC", so I assume it should be out of the SOL. The most recent letter has stated that I owe around $650 but they will settle for 3 options: 1.) I pay $251.00 straight out 2.) I oay $47.00 for 6 months 3.) I pay $26.00 for 12 months Since this debt is so old, and isnt being reported to credit agencies then whats the point of settling with them? And If I remember correctly, the credit line on that card was only $200 or something. My question on this one is, how can I figure out if it is actually out of SOL and if it is then how can I stop them from contacting me about it or have them shut down that account. Debt Validation? Cease & Desist Communications on this account? I have read that a cease & desist increases the probability of getting sued but since the letter states they CANT sue me then would it hurt to send the C&D to shut them up on that account? Now, the second account that they have is an old Capital One Bank credit card account which according to the mail document was purchased directly from Capital One. This account was purchased in 2013 and from one brief conversation I had with one of the reps on the phone, they said the last activity was from 2011. I have since ignored all calls as they have increased after accidentally speaking to them once. I am unsure if this is outside the statute of limitations since I dont recall when I ceased to make payments and it got charged off. Unless it just now was charged off and Portfolio Recovery Associates just now got their hands on it. I am currently in the process of obtaining my credit report to see whats actually there and if both of these debts are reporting. On this account, they claim I owe something between $800-$1000 but I know for sure that this card was another low credit line of something like $250. A letter states I owe $850 but on the phone the rep said something like $1100. It seems they are increasing the amount due with every communication. My question on this one is how can I clarify what exactly I should owe, whether or not it is within the SOL, and whether I should make a deal with them. Also, should I start this off with a Debt Validation Letter and just go from there? Is the probability of being sued for this one higher since it may not be out of SOL yet? Its a relatively low amount so I dont see the need for getting lawyers involved. Even though they purchased the debt in 2013, I am almost certain that its been charged off since at least 2011. I have not yet received the "deal" letter on this account as they were just able to get ahold of me via phone. Ive been receiving random letters from CA's but I usually read them over quick and throw them away. They somehow dug up my cell number so now the calls are coming in more and more frequently. So thats the collection agency drama, please send any helpful advice. This is just the beginning of fixing the debt hole that I got into back when i fell on hard times but hopefully with some helpful tips and tricks it will get all figured out. I will continue to update this post as I move through the processes of dealing with all of this so hopefully it will help someone else who may be in the same issue. Thanks in advance to anyone who can help!
  13. Oh Joy! DH received letter from Revenue Recovery Service that they have purchased a debt (1 full year beyond SOL) and he has 10 days to remit payment - or "we will have no alternative but to commence legal action against you." Rubs hands together - I am having fun counting the VIOLATIONS against this scumbag JDB. Here's my list so far: 1) Threatening legal action when a). the debt is beyond SOL, . Scumbag is not licensed within the State of Florida (where we live). So this is a violation of FDCPA and a violation of FCCPA - which would be $1k for each contact or call. (right now the tally is $2k). 2) Threatening to increase charges - "If we do not receive said payment, we will have not alternative but to commence legal action against you which will result in additional costs and expense to you. The legal remedies call for treble damages of your outstanding debt plus attorney fees and court costs. If you wish to discus an alternative payment proposal you may contact our office." Does this constitute an additional violation? This is the initial communication - that they have acquired the debt and the letter demands money within 10 calendar days or the legal action. Isn't that a violation right there? They do provide the verification notice but it is in smaller font and seems to be contradicted by the 10 calendar days demand for payment. I plan to send a letter of dispute. Is there any other obligation on my part? When can I "commence" legal action? If they don't respond?
  14. I have a unpaid judgement from 2011 and calvary portfolio has now bought the account , my question is can they sue me again if I don't pay them? They haven't contacted me yet the way I found out was I noticed Verifacts had pulled my credit and I challenged them to who they pulled it for since they aren't in the scope of debt collection. Baker v. TransUnion is the caselaw I cited, since they are a skiptracer. My other question is since I now know that they own account should I send them a cease and desist letter. Also, will it show up as a collection or will it just stay listed as my judgement.
  15. I have an OC tradeline that is reporting like this: High Balance: NA Recent Balance: NA Recent Payment: NA This account was sold to a CA. Doesn't the OC have to report a $0 balance / not NA? Does it matter at all to my sad little FICO scores? lol Just a curious sort of thing. I know I have much bigger fish to fry, but one of those things that might help me get a tradeline or two deleted down the road of reporting in a way that is not allowed. Thanks!
  16. Sorry if this is a repost, but I didn't see it here. Debt Collectors’ Jobs Just Got Harder I guess, for example, old statements are fine, but the CA or JDB can't just give you a number for the amount owed.
  17. Help with a Capital One charge off and United Recovery Systems My wife has a charge off with Capital one for the amount of 414.55 on a CL of 300. This is killing her utilization! We have tried to pay Capital One directly but they refuse and said that we had to pay United Recovery Systems. URS is not reporting on her reports and I do not want them to report. I want to pay this thing but I don’t want it to show up on her reports. They have been calling lately on our landline but we never use the landline or even answer the damn thing. I know that you should always DV a CA and I understand that, but I know for a fact that she owes the crap and I am not trying to skip paying it. I just don’t want the CA to show up on her reports. What are you guys opinion on the best course of action? DV or just call them up and pay the thing for a letter in writing that they will not report to the bureaus? Do you think there is any chance of getting the CA to get the OC to delete the tradeline? This is a pipedream that I would jump for joy if it happened. Any and all advice welcomed!
  18. I am not talking about OC's that have lawyers or inhouse collectors, perhaps working on a percentage... I am talking about a charged off OC balance with -0- due and owing that has totally sold their position in the outstanding amount... Anybody know about this?Thanks if so...
  19. aye Board good afternoon, im looking for any advice any what so ever! i have an account from verizon fios that was open from my brother, at time i didnt know about it. but he had eventually told me.... long story short he cancelled acct got in his spouses name but i was charged a early termination fee..... but this just showed on my credit !! but he didnt have my social! anyway to dispute? agree to pay if they delete ? anything ??
  20. Hello all, This is in regards to a medical collection that is on my report. The amount owed is $331 that was paid to the original creditor (DR) in March. I have disputed this (online) with EX who the CA reports monthly as KD and twice with EQ. Each time comes back "verified" with no adjustment to amount owed.. My question is are there any violations? If so would it be once per "validation"? Each month with a KD status update after it was paid? I am in Texas if that matters at all. Or Would it just be faster, easier or outright better to do the WhyChat HIPPA program? This is the last item on these two reports! Almost there!
  21. Hi, I has an account with HSBC years ago (2008). The account was closed with a listing on my credit report of 0 balance due and 0 current payment due. I think the card was stolen or I made a payment on it. Well, Capital One bought HSBC's credit cards from them (27 million of them). I think they took every account that wasn't paid in full, sold it to a company that doles out the accounts to lawyers, who then sue people 99% of whom don't answer the summons because they're scared and wind up losing by default and having their stuff repossessed or wages garnished. That's what Capital One did to me. They bought a closed account with a 0 balance from back in 2008, gave it a NEW account number and say the account is charged off and that I owe them $4K+. Here's the thing: I think it's below scummy for them to do something like this to people. Corporations that drove our economy into the ground and have caused countless economic suffering for people years after they defaulted on credit card debts from years ago and are now, in a sense, scaring them with lawsuits so they can pick regular people's pockets of what little they have left. Sorry- rambling. I know I can call the law firm that bought all of HSBC's old files and tell him that he can't 'reset the clock' by giving a new file number to an old account. I know that he lied when he sent me a letter saying he wasn't a debt collector, when he is, by my state's definition. I also know that he can't garnish my wages, and for that matter can't even sue, as the statute of limitations in my state is long passed. Bottom line, I'm SO DISGUSTED with the way these bottom feeders work that, rather than try to get them to take the listing off my credit report I want to sue them. Is that possible? This firm is in another state. I don't really have anything saying I LOST money by having the negative listing on my CRA reports- I mean, I haven't tried to buy a house or a car or anything. is it possible to sue them? And without any actual damages to me, is there a way to ask for money to make them stop doing stuff like this? Any knowledge of anyone suing a company in court and winning? I have asked them twice now to validate the debt and have heard nothing back. When I called them to have the debt validated they said I would have to supply proof that I paid it. I think they should have to prove I owe it. I sent letters to all the CRA's but from past experience I know they will call the CA and say, "Is this debt owed by him?" They will answer, "Um, yeah." the CRA's will say, "Yup- validated." and the whole process will start over and over again. Maybe it's just my testosterone shot is kicking in, but is anyone else on here had any experience with anything like this, or can they give me advice? CAN they restart the clock buy buying the debt from HSBC? Sorry to be so long. Any advice would be greatly appreciated.
  22. Hello All! My student loans was paid through an offset of my tax refund this year. About 2 weeks before this happened, I was in contact with the CA & was set up for a rehab plan, and made the initial payment. The I received the letter that my loans were paid through the offset. I called the CA to see what needed to happen from there & the woman I talked to seemed really annoyed that that happened. At one point, she basically accused me of lying about the offset. I told her the amount of the offset & she told me that my balance was still almost $1500 (which was all fees from the collection agency) I called the US DOE & found out I still had a balance of $60.01 that I paid right there over the phone. The lady I spoke with told me that once I paid the $60.01, my balance was paid in full & I would owe the CA nothing. Then today I got a letter from the CA saying my balance is $5000 +. I'm really confused at this point. I'm scheduled to make the second payment in the rehab on June 1st. Obviously, if my balance is paid in full (according to one person) I don't want them touching my money. Any advice on what my next course of action should be? Thank you so much for any input!
  23. Okay...so it has been 30 days since Midland has received my four (4) Debt Validation letters that I sent CMRRR. (I sent one letter for each account/TL) They signed for it all on 17 March. Today I check my mailbox and there is nothing in there. I expected not to get anything back from them, but woulda been hella surprised if they did send me something. My situation is that I never received any notification from them in writing on the four TL's that they are reporting. I found out Midland was reporting them because I pulled my credit reports. There has been conflicting information so I am trying to get some things clarified. The more I read the more confused I am. So here are my questions. 1. Even if I did not get a notification from them, will my Validation Letter still be good and they had 30 days to respond? 2. Hypothetically, what if I get validation in the mail from them after the 30 days? 3. Do I send them another validation letter and wait another 30 days or an estopple? 4. Can I just show the CRA's each CMRRR receipt, card, and letter and ask them to delete since Midland didnt validate? 5. What should/would be my next move? My goal is to have the TL's deleted from my CR. Thanks !
  24. So about 2 years ago I disputed this account online as 'Not Mine' (I know, I know), and it was successfully deleted from EQ and TU. It remains on EX until 8/2015. My question is, if I send a DV letter to the CA, could that possibly trigger the account to show up on EQ and TU again? I have no records for this account, but I'm fairly certain that the DOFD was earlier than they are reporting. I'm tempted to just file a CFPB complaint as I just had a great success with them on EX with Child Support; however, I am hesitant to push the envelope. Any advice?
  25. Moved out, forgot to return equip to company. Sent to midland for collection. I returned equipment with 109 dollar balance. How do I make sure ca is recalled if OC willing to take payment?
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