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  1. Hi all, I'm getting conflicting feedback about how to handle this situation. I've been getting calls that come up as "Firstcredit". I have no prior dealings with this company (I don't know if they are even legit) and I have no outstanding credit. No loans, one credit card that I keep under $500 and I pay off most of the balance every month. I have a new cell phone number and it rings several times a day. The name that comes up is always "Firstcredit" but with different phone numbers and locations, so blocking these numbers are akin to the little boy who tried sticking his fingers in the holes of the dam. Anyway, when I try to answer to tell them that I am not the person they are looking for, the call always "disconnects". I have been trying to answer so they can ask for so and so and I can tell them they have the wrong number. Today, I decided to ring back the number. A man answered. I told him I've been getting these calls from his company and asked him who they are and who they're looking for. The man told me it is an attempt to collect a debt. I told him he most likely has the wrong number as I don't have any outstanding debts. He asked me what my name is. I almost told him then I stopped myself, because he could be spammer just trying to get my info and I told him my reasoning for not wanting to give my info. He told me the calls won't stop until I tell him my name (and what good would that do him, if he's a legit debt collector). I told him "that's okay. I just got this number and I'm not all that attached to it yet. I'll just change my number" and hung up. I'm seriously considering changing my number again, but I had all these issues changing my logins that use text for verification. The "Do not call" list doesn't help as they don't cover "debt collection" calls. Any suggestions would be greatly appreciated.
  2. I tried a 100 day trial for a mattress and didn't relies I was basically taking out a small loan. Before the trial ended I refunded the mattress and they gave me back my money and now I have a closed installment account on my report. All my payments where on time I just want to remove the closed account from my Experian credit report. My original dispute was rejected does anyone have any suggestions?
  3. tl;dr - Hosting company refuses refund and cancellation, credit card chargeback in favor of buyer, merchant threatens collections On Feb 9, I purchased a VPS(virtual private server) hosting service from the merchant. After logging in and attempting to set it up I found that the product and service were not to the performance and standard based on the advertised specs. I shutdown the server and contacted support the same day. I asked them to cancel the service and refund the charges as I would not be using it. There support answer the next day was I again submitted a cancellation request on Feb 10, saying that I cannot use their product and request a refund of charges.They reply quickly with back-to-back emails stating that With that I opened a chargeback request through Citi (my card) for Canceled Service/Goods, truthfully stated that I attempted to work with the merchant first and they ruled in my favor on Feb 15. I have not used the product since I requested a cancellation and refund. I have not logged into the service panel for the merchant since communications ended. Feb 26 - I received an email from the merchant With an attached invoice for the original purchase price + $15 chargeback fee. The companies letterhead shows an address of Wyoming, I am in Colorado. Can they send me to collections for this? What is the best way to get in front of it to protect myself? Are there any legal consumer protections for this scenario? Thanks for reading and any advice!
  4. Hello guys. I’m a 22 year old who got their first credit card last year. I ended up getting 3 and was VERY dumb with them. I owe $500 to Discover, $460 to Macy’s & $1,200 to Nordstrom. I currently have closed accounts from all 3, but only Macy’s and Nordstrom have flagged my account as a charge off. Is there is ANY way to get them to delete the “closed account” and “charge off” history off my credit report. I just got my tax returns and have enough to pay them all in full. All I want is to have a CLEAN credit report as if I had just started from scratch. I just got off the phone with Nordstrom CC services and she told me they don’t do pay for delete, as they have to accurately update the credit bureau, but that if I fully pay, in 10 days, the balance on my account will update to zero, meanwhile if I do a settlement, it’ll update 30 days after the last payment has been received. I asked if I could negotiate through mail, and she said all they could do is send me a “current status letter”. I didn’t know this stuff stays on your report for 7 years. I really hate myself for this.
  5. Hi I need some help. I’ve been contacted by Resurgent and they are being pretty agresive in their communications threatening legal action. And I’m not sure if this crosses the line and what to do if it does. i should note: I’m judgement proof because I’ve been unable to work for 4 + years, am on SSDI, that money goes into the SSDI payment account where no other money can be added to, I’ve unfortunately had to spend down all my savings during the fight to get ssdi, and the last account I have is going to be spent down next week; I never keep more than a months worthy of benefits in the account. I own my condo, and one car . I also have a bankruptcy on my history until 2024. Because of a tax issue, even if I would pay enough to get a refund it’s going to the government for 10 years, Im not opposed to pay for delete but I can’t do that right now because of my income. I have several other collections accounts but they aren’t threatening to sue me. this is their latest email, https://www.dropbox.com/s/qmje5w3ff1ndsiy/Photo Jan 29%2C 10 57 33 AM.jpg?dl=0
  6. So, I also have a balance from Verizon that went to collections in 2007. After a couple of years I disputed it. I felt there was late fees added and I truly owed $600 and something not 1099.00. Well, I was injured and out of work for quite some time during this. Plus, I was dealing with wild fires in my area that came extremely close to my house. My point is my Verizon account is 15 years old and every time I dispute it, it gets sold to another collection agency. I have had I think 6 different agency that has had this bill. Currently it is with Jefferson capital. In my old credit reports (2018/2019) it show the account is closed. When I pull up my credit report from today it show the account is open and it is still owed. I thought thing fell of your credit report after 7 years. So, why are they trying to still collect the balance from 15 years ago.
  7. Hello, I'm in bit of an issue where a medical bill was fully paid, but the account is in collections. In an imperfect sequence of events, the insurance company briefly withdrew a previous payment and re-payed the provider. Meanwhile, the provider sent me the bill, went bankrupt and they are not reachable. Looks like they sold the debt to the CA and CA wants the money that was fully paid. I have the Explanation of Benefits and proof of the original payment. Feb 2019 to April 2019 - Service Provided by an in-network medical service provider for my child May 2019 - Co-pay fully paid. Insurance fully paid. Account settled. Sep 2020 - Insurance withdrew the payment (mistake). Provider sends me the bill for around $1,200. I disputed it. Feb 2021 - Provider sends the account to the collection agency $1,200. CA sends me the letter. Mar 2021 - Provider closes the door. Unable to reach the provider. Apr 2021 - I sent the DV letter (after 30 days - on 39th day as I was traveling), used WhyChat DV letter. I got a vague response that I owe the money. Apr 2021 - Insurance re-payed the provider in full. They sent me the Explanation of Benefits which shows the account is fully settled. Apr 2021 - Certified mail to the provider returns back (with HIPAA language), as the provider closes the door. Phone calls or emails not returned. Sep 2021 - CA keeps sending emails. Contacted the Insurance company. The Insurance company contacted the CA by phone and told them the account was settled. CA informs the insurance agent that it will contact the service provider and sort it out. Sep 2021 - CA reports to CRA. Credit scores drop. Sep 2021 - Online dispute raised with CRA with full proof of payment. However, all disputes closed that the debt is valid. Oct 2021 - CA sends me the letter I still owe $1,200 + interest. I have the payment proof (insurance payment + co-pay that was paid in 2019). Can I please get your advise? Would this constitute as an insurance fraud? Should I send the proof of payment to the CA? Thank you so much. Appreciate it.
  8. Hi there, This is a complicated story with a few parts, so I'll try to be as complete as possible. I'm a college senior currently trying to clean up the mistakes I made over my very short credit history thus far. I currently have 1 medical collection at $1500, 1 tuition collection at $4700, and have painstakingly carved my CCU from 90% to 50% (and going down every month). I also have plenty of federal student loans that are deferred until 2023, and have never missed a payment on accounts in good standing. TransUnion and Equifax hover around 660 these days, with FICO 8 and Experian closer to the 630s. Regarding the medical collection: The bill was initially for a college physical and routine vaccinations back in summer 2019, and was supposed to be paid for by insurance. I had just turned 18 at the time, so I was oblivious to the way it worked, but my parents told me the clinic screwed the billing up and our insurance denied it. I didn't think I had to care since they told me they would take care of it, but they didn't. About a year ago, I ended up with a collection which I attempted to dispute it electronically (didn't know what I was doing), but it was validated. Roughly a month ago, it suddenly dropped off of my report, but today I got a voicemail from a new CA, so it's likely coming back within the next few months. Regarding the tuition collection: For my first two years of college, I attended a tiny regional private school that charged way too much for tuition, but my parents insisted that between the veterans' dependents' benefits, federal loans, and scholarships, I would be able to attend without any out of pocket cost. Like before, they let me down and it ended up costing far more than they told me. I was a stupid college kid who just got his taste of living away from home, and my spending and priorities were insanely out of whack, so my account balance kept climbing. At the end of sophomore year, I transferred to a more respected school with more financial aid, but I still had the balance on my old account with no way to pay it. Around July 2021, it was passed on to collections with the remark "affected by natural disaster" (referring to COVID). After a reality check of sorts, I've been religiously budgeting, paying off my CCs, and exploring every clever credit building account under the sun. I haven't sunken completely yet, but I'm very fearful that 2 collections at age 20 is a recipe for disaster. I'm looking for the best way to handle these derogatory accounts, and don’t know what my options are. I feel tremendously ashamed of the position I'm in, as I come from a family that's terrible at managing money, and because I'm 6 months away from graduating with a degree in finance. Somehow I ended up going down the road that I knew I should always avoid. I'm very anxious about my future and where to go from here, and I just need to know how to get out.
  9. I sent out a validation letter to a medical collection on the 1st. today the 17th i got an alert that a new account was added. The account was never removed to my knowledge but it is the same Collection but now the balance says zero. Why would they do this? I haven't received any response from them. Should I wait the 30 days to see if they remove, or move forward with another letter? Thanks for any response
  10. I sent a validation letter to a CA, and I gave a copy of my ID and copy of my social. Rookie mistake I know My question is how bad of a mistake was this? What can I expect as an outcome? I hope I this doesnt bite me in the butt. Any help would be greatly appreciated.
  11. I had a bad streak and my Capital One account was charged off and placed with Midland. 1k balance went to 7k and the terms they propose are laughable. I can dispute, but my biggest priorities are avoiding suit/garnishment and short term credit score improvement. Is it best to try to make a payment plan, dispute, or ignore? Is there another option I'm missing?
  12. Hi everyone, I am a bit confused about a letter I have received from Wells Fargo. It is an old auto loan that was charged off in 2018 (repo). I have only removed addresses and frozen lexisnexis,innovis, etc at this point. I received a letter from WF stating that due to the age of my account they are cancelling the balance, and will no longer attempt to collect. This seems strange to me that they would voluntarily cancel a debt before I've disputed anything. What should I do if anything regarding this letter. I'm hoping the credit Gods are just dropping a blessing down on me
  13. Hello , I am in debt about 80k i was offered a debt relief program but iam skepitcal... Can i call and negotiate myself the small debt then the big ones ?? Please help
  14. I’m newly separated and I’m trying to re-establish my credit and financial independence. There are 4 collections on my credit report that my husband was responsible for when we were together in 2020. We both had extensive blood work done by a lab of which he was paying. We separated and he has not been paying so it went to collections and showed up on my report. I just disputed them online a few days ago and am waiting to see if they are removed. It has my name and not his. Is it even conceivable they will be deleted? My score is in the 500 range right now. I don’t have much credit but want to repair and build.
  15. Wassup y’all, I went through a rough patch in my life when I was 18 and overcharged the freak out of a kohls charge card and it went into collections. I paid it off and now i’m thinking🤔, how can i get that removed off my report since i paid it off. I know i should’ve tried to write a letter to them saying if i pay it off they’ll knock it off my credit but i wasn’t thinking back then. Is it to late to contact them and ask to get it removed if possible? Im not tryna wait 7 years i’m trying to get a house next year y’all.
  16. Hi everyone, I hope this is in the right place. I was dumb during college and used the paypal credit as a way to fund other activities and I disregarded the payments (bad information, originally thought they wouldn't report to my credit). So now they have transferred it to midland credit. They have sent me letters for settlements of 5k with payment payments etc. After checking CK, the debt is currently 1 year old and has impacted my credit score. I don't have the money to pay the full amount back. What are some of my options? Thank you taking the time to read this.
  17. Any advice is much appreciated! I graduated with my masters in Aug 2020 and havent had a full time job since Dec 2019. My mom was laid off because of covid in March 2020 and I stopped making payments to credit cards after graduating from my masters (Sept 2020) because my student loans stopped coming and my mom could barely make her own mortgage payments. Since Sept 2020, Ive severely damaged my credit and am now in over $27k cc debt. I've since moved to Europe and don't plan to come back to the US, at least not for several years, to pursue lower cost education here. I don't know how to proceed with my cc debt because I've been told since my credit is already tanked that it wouldnt matter if I pay off my debt, attempt to lower my 23-25% interest rates on my 9 credit cards, or try to negotiate a lower payoff. I work part time remotely for a client in the US but the work is random and not guaranteed. The most I've made since I started with her in Dec 2020 was $1100 a month. I contacted a debt consolidation law firm in the US but they want to charge me a $750 retainer and then $600 a month for 36 months to pay off my cards. Im waiting to hear if they guarantee these cards will be paid. No idea how to proceed and feeling overwhelmed because I want to do the right thing but Im drowning in interest rates and have called two banks to talk with them only to be yelled at and shamed. Do you have any advice for me?
  18. I have 2 medical collections for 2 different providers being reported to Experian and TransUnion by the same CA and a 3rd collection with Equifax with a different CA. I started the HIPAA dispute programs for all them with these results: TransUnion: both items were deleted Experian: both items were verified with a note to contact the CA for more info Equifax: No Response at all and no deletion I started the HIPAA dispute program for the Experian collections but skipped the 2nd step of Medical DV to the CA by mistake. Instead, I sent money order payments to both the OC's using the HIPAA letter and have copies of the deposited and canceled money orders from my bank. The collections have not been deleted and I haven't receive a response from the OC's at all. Knowing the I missed the DV step with the CA, what should I do now to continue the process for getting the Experian entries deleted? For the Equifax entry with no response, do I just start over again? Thank you!
  19. Hello, I received a Collection letter in the mail today. I called and the woman on the phone stated can you pay a lower payment and I said yes. I know this was a mistake. But she said she will check with her manager and call me back. The collections is from a 2017 hospital bill. But there is nothing on my credit from this agency or the hospital. My questions are do I pay this debt that is not on my credit? If I do pay is will the company report to the credit bureaus? Or do I send a validation letter? I’m leaning towards not paying it but I don’t know if it will go on my credit even though it has not in 3 years? Any advice would help. Thank you!!
  20. I tried to schedule an appointment with my doctor the other day, I was informed I have a past due bill that was sent to collections in 2014. This bill has never shown up on my credit. I called today and asked they send me an itemized bill, I’m not sure if this debt valid or not. I had insurance in 2014, I wonder if there was a misstep with the doctor’s office sending the bill to insurance company then contacting me for the remaining payment. I do not want to take the chance of paying on something (if it’s not valid) then it shows up on my credit. Should I follow this path (if it’s valid) of paying the debt with a bank check or money order with an endorsement on the back "for deposit only to the account of (name of Dr.) using https://whychat.me/hipltr.html insert "a?" Should I contact my insurance company from 2014 to see what was paid and what was not? Not sure how to proceed since I haven’t been contacted and this is not on my credit. I've used WhyChat's method before but not in a situation like this.
  21. Hi, I've gone into a bit of credit card debt that I cannot pay. 4 separate cards totalling around 25k. Amex has just emailed me saying that my account has been transferred to Zwicker & Associates for collections. I have basically no assets, just a cheap old car and household items. I moved out of the country a year ago and unfortunately have had trouble with work due to Covid and starting over here, so I ran up my credit cards. How should I respond to the coming collection letters and what are my options from here? Thanks so much.
  22. Almost 40 days ago I sent in 3 dispute letters to all 3 CRA's. I received nothing back from EQ, EX sent me a copy of my report with no changes or notes, and TU deleted 4 accounts. Is there any way to leverage TU to help with the other CRA's? Thank You for any help!
  23. Hi Can I get some guidance on how to remove some old paid off charge offs from my CRs? -CAP 1 paid charge off in 2016 -CAP 1 paid charge off closed in 2015 -Santander paid charge off in 2017 -An old student loan that was 120 days late that was closed to transfer in 12/17 Covid hit me hard so I have tons of charge offs and collections for other accounts that are recent that I know I won't be able to do anything with Any advise would be greatly appreciated Thank you
  24. Monday I'll call TU to order a hard copy to have mailed to me of my credit report. Once I receive the paper copy I will ask for help on how to proceed. I have a statement proving this collection is years passed the time allowed to report.
  25. I received a collection letter from a law firm called "Linebarger Goggan Blair & Sampson LLC". It says they are attempting to collect a debt for the PA Office of Inspector General, and it says "Welfare Overpayment". I'm unsure of what this is about, nor do I know any details other than the amount due which is over $2k. The letter also mentions "this is not a threat to file a lawsuit. At this time, no attorney has personally reviewed the particular circumstances of your account," and it asks for me to call a certain person at the company and gives a phone number. 1. Since this doesn't mention a 30 day notice, should I still send a DV letter? If not, what is my next step? 2. Does anyone know what the SOL (if any) would be in PA for a collections concerning "welfare overpayments"? Thank you much!
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