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  1. Hello, I have been following this forum for a while and decided to try using WhyChat's HIPAA process to try and have some medical collection accounts removed from my Credit Report. I had 7 accounts on my Credit Report - all opened in 2010 - which I disputed with some success. I did the following after reading the HIPAA guide: 1. Opt-out 2. Remove old addresses - EQ/TU obliged while EXP would not agree initially 3. Pull Credit Reports 4. Send initial dispute letter I had pulled my credit report from all 3 bureaus and sent them a letter asking for clarification on all the medical accounts on my report. I had mailed out my letters on the 11/18 but received a letter on 12/2 from Experian stating that the report I had based my dispute on was not eligible and I would need to pull another report. ( I had purchased a single report from their website after speaking to an agent but it turned out they have two services - a Credit Report with Score Watch for $11.xx on their main page and the Credit Report with a report number which can be used for dispute but which is only available through their dispute page.) I then sent in a written request to ask for a credit report on 12/9 which reached them by 12/13. On 12/15 I saw that TU had removed all the accounts disputed from their report while EQ had removed all but 1 (which was about $50). I also saw that EXP had removed all the accounts that EQ had even though I had not sent them the dispute letter with the report as yet. My Questions are. 1. The report which I will receive from EXP will most probably have the accounts removed - is there any way I can get them confirmed as deleted so that I can address them if a reinsertion occurs? 2. One account remains on the EQ and EXP reports. I have not got any confirmation from them about the deletion as yet so should I wait for that before proceeding? If the confirmation doesn't explicitly state that they were deleted should I ask for it to assist with any dispute in the case of reinsertion? 3. I have 2 non-medical collection accounts - can I DV the CAs of those accounts in the meantime now? Thanks!
  2. I have two collection companies handling the same creditor account with the same amount on my CR. No indication that it was sold (although it could have been) and the original is a couple of years old, one is due to fall of in 2017, the other in 2018. Anything I can do to dispute here, or is this legit?

  3. I had a $1200 collection from Midland. They decided to sue me and they won as I did not go to court. The papers were served by the Sheriff's office to an address that I was no longer living at and I did not know about the case or even Midland. When I pulled my credit report and found this collection, I paid them right away (split into 3 payments). The account was PIF with no negotiation on the balance. Is there a way of getting this judgement removed? My reports estimate deletion date from the CA as 04/15 but the judgement is set to stay on record until 2019. I also have another judgement from an apartment complex which is not paid but the CA has dropped off of my reports and stopped reporting it. Would it be wise to try and get the judgement removed or wait until the drop off date which is late 2016? Thanks
  4. Hello everyone. I'm a new member here and have been reading topics on here for about 2 or 3 days prior to starting this topic. I didn't find anything quite like what I'm looking for beforehand, so here I am making a new topic to try to get some advice. I started paying for Experian Credit Watch a couple days ago so I can try to fix everything wrong with my credit. However, upon inspection of my credit report I found a few things that made me rethink my entire situation, Just so you guys have a little back-story, I'm young (22) and made some very poor decisions resulting in me not being able to pay all of the credit accounts that I had open. I've been working 60-72 hour weeks since the second week of January this year and haven't made any headway. However, I recently got a promotion along with a fairly significant raise so now I'm just tying to figure out what I'm going to do. On my credit report I have: CapOne - potentially negative (paying on this one now) SpringLeaf - potentially negative (also paying on this one) Citi - potentially negative - closed (had this CC since 2010, got overwhelmed and couldn't pay it) Enhanced Recovery - potentially negative - closed Enhanced Recovery - potentially negative - closed Franklin Collection SV - potentially negative - closed IC System Inc - potentially negative - closed Matco Tools - potentially negative - closed (Could not keep up with payment after a slow down in work last year then couldn't get caught back up) CCU - Current CCU - Current CCU - Current - closed CCU - Current - Closed SpreingLeaf - Current - closed So my first question is: How do I find out why I even have 4 closed collections accounts on there? I think that they're due to non-payment of an accident I had last year where I got burned by 500 degree plastic. This accident happened at work and should have been taken care of by workers comp but I've been having issues getting my company to pay for these bills but since I don't have any more copies of the bills since I already turned them in to my HR department once I don't know what to do there. Second: The Citi and Matco accounts are potentially negative and closed, so should I pay on those once I have money to go towards them or will that re-open the accounts and mess with the SOL? I don't really understand that part. Third: Would it just be easier for me to file bankruptcy, keep my car and try to start over again? Is this even fix-able? I'm not sure what I'm doing. Thanks in advance everyone for any advice, I appreciate your time. If this needs to be moved to another category please feel free to do so.
  5. Hey, just joined here looking to get some advice and information on my situation. I just graduated college with a Mechanical Engineering degree in May. I started work and have been saving up for various purchases and moved into a nice apartment complex. I got married as well in October. There my background for you. When I moved to Dallas, I had to get an apartment for us. I got denied based on my credit regaurdless of how much oney I was making based off of insufficient credit history. I started to look into this more and got a account on creditkarma to see my scores. I have around a 591. I've never had a credit card in my life. Im only 22. I make 60k a year. The only payments I make are on my student loans which are 25k. I started paying off my loans 6 months before I had too. My wife had her college paid for and was smart and got a credit card in college to build credit. Her score is about 740. I've tried to get my score up by getting a card and paying off the purchases as soon as I could. Only problem is I can't get anyone to give me a card in the first place. I get denied anywhere I try. It's very frusterating for me. I feel stuck. Fast forward to last week. My wife and I both make over 6 figures combined and are replacing our cars with over 150k miles on each. I got a 2011 BMW 528i and put 50% down to get a reasonable interest rate of 5.64% for 60 months. We plan on paying it off early but we had trouble getting someone to finance us at first due to my score. The dealer gave me my score and this is when we realized why I have had such a horrible time getting financing. 4 years ago we were on a ski trip. On the way up to Colorado, our charter bus went over the side of a mountain pass, injuring half of the 43 on board. I was ok compared to the rest, but my wife had a significant lasceration requiring surgury abover her eyebrow. Her bill was around $30,000 while mine was only $2700. The driver of the bus was at fault for not slowing down around the corner while it was snowing. The bus company shut down across the entire US to avoid paying the money for our injuries. We had to sue the bus company which ended up taking a few months. By the time I had finally gotten my bill for the hospital, it had gone to collection. I was only 18 at the time. I didn't know anything about collections or credit history for that matter. Once I settled with the bus company I paid my bill as soon as I got the check. My wife took even longer This is hurting me today. I can't seem to get a head of this bus crash incident. I'm looking for some advice or guidance on what steps, if any, that I can take to explain my situation to someone who can fix this for me. We are going to be buying a house in a year and need to get this figured out so I can be a help instead of a hindrance to our credit. Thanks for reading!
  6. 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!!
  7. If anyone can help me with advice, that would be great! So here's my story: I have been working my tail off for the last year to rebuild my credit. I really screwed it up in my teens/early 20's and I'm finally on the right path. It has been over 4 years since my last baddie and I have had a 15 month streak of on time payments. I have acquired quite a few credit/retail cards in the last year that have helped me bring up my score. (started with a CapOne secured card/ now have Nordstrom, Kohls, Kay's, VS, Express and recently a Barclay's card.) Anyhoo, I just had a baby and my employer switched health insurance providers when I was 7 months pregnant. My copays were through the roof and my out of pocket medical bills now = $4500.00. I have about 7 different creditors coming after me, now of which have hit my credit report and I am running out of time. I don't have the money to pay them right now. What can I do to save my report??? Any suggestions?? Please Help!
  8. 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!
  9. Sorry, another newbie question, but didn't get any clarity after searching. I've got a MyFico alert for a credit card account, saying "Account Is Deemed As Uncollectible By The Creditor And Written Off As "Bad Debt" Or "Loss". My credit score actualy rose 1 point as a result of that (LOL). So does this mean the OC completely wrote off the debt as a loss for tax purposes, and I'm off the hook, or they still may sell the account to a CA?
  10. Been away from CB for a long time... but I could once again use some help on something. I moved to Washington state briefly for work during 2012, and during that time my wife experienced a medical episode that required an ER visit. The total bill rang out to around $7,500. I was mailing small payments to the hospital each month (which they agreed to) to pay it off. We didn't have any kind of plan for that sort of bill to pop up suddenly, and at the time, using our emergency fund didn't seem appropriate if we could pay it off over time. However, in the chaos of moving back OUT of Washington state, I forgot a payment, and they instantly forwarded the account to collections. The hospital account was in my wife's name ONLY. I screwed up and didn't deal with it. Few months later... *I* got a collections notice with MY name on it from the same people. I rushed to pull reports, and found they reported a new collections account on TU and EX. Dangit. I called at once and demanded to know what was going on. The rep. stated that because Washington is a community property state, my wife's bills are my bills. However, I tried to be coy with the guy and said that while I know who (my wife's name) is... why was he under the impression she's my wife. He couldn't really answer that. I asked if he had any proof that she's my wife, and he turned it around and asked if I could prove that she isn't. He wasn't very nice, as none of them are... so I basically told the guy that this wasn't my responsibility and he should remove it at once. I also asked why he thinks that I live in Washington, but he couldn't answer that. I maintained my Nevada mailing address, and ALL credit correspondence went to the NV address for the nine months I was in WA, so I thought maybe I could dance around that some more, but he didn't budge much on anything. Few days later both TU and EX report the account as "disputed by consumer..." The account is roughly $5,200 which is the $7,500 original bill minus roughly what we paid. If they've added anything at all, it has been very minimal based on my calculations. My question for the group is... what do you think the best approach is to getting this deleted from my reports? We have the cash to pay them (full balance), but based on the previous experience I fear they are not the kind to delete after payment. I JUST had my old paid/settled baddies from 2007 drop off my reports... I don't want this to linger for 7 more years. Should I hire an attorney? Should I dispute with the credit agencies first? I'm lost on this one. Thanks in advance guys... I appreciate you all.
  11. I have three accounts in colections, actually four. Two are from Atlantic Broadband, one for 58 dollars and the second for 78. They both are with the same collection agency. The third one is for 200 dollars from a checking account with bank of america.The account is in collection with an agency. The fourth is for 1500 dollars. This is from a towing company. Said company towed my old,not-running car in christmas of 2010. The final bill was more expencive than the car was worth, so foolishly, I just let them keep it and never bother with again. I want to take care of all three instances. I do not live in the US presently. If you were me what would you do first? and then second? and so on and so for...Thank you so much for your help guys.
  12. Hello WhyChat and everyone. I have been on the path to restore my credit for some many months/years. I have obtained paper copies and have cleaned my reports of almost all baddies except for medical collections. All three reports are clean of addresses, names, phone numbers, etc that are not current. Also, I'm opted out. After reading a post about how soon obsolete tradelines/collections could be taken off, I recently disputed an old non-medical tradeline (only showing on TU) as obsolete, which it was (and was deleted). With the quick success of that, I also have one medical tradeline which is around the 6 year, 6 month time that I figured I'd attempt to get taken off early. It's in the dispute stage right now; and I should hear something no later than the 15th of the month next month. Other than that, none of my other medical accounts have ever been disputed before - but I'm wondering if I should be patient after the results come back regardless of results. Will this change anything? I know WhyChat says wait 3 months since any previous disputes, but even if this fails the longest this will take to be removed will be Jan. 2015. If I could get everything else taken care of and simply have to wait for this to age naturally; I'd be fine with that.
  13. Professional Account Management is engaging in unethical and possibly illegal tactics. They report to credit bureaus without any verification of debt owed and make no effort to remove credit reports if debt is proved invalid or paid. They are based in Milwaukee WI. Below is a part of the public record on the Wisconsin BBB website. If this has happened to you, as suggested by the BBB, contact: Dept. of Agriculture, Trade and Consumer Protection P.O. Box 8911 Madison WI 53708 Phone Number: (800) 422-7128 Email Address: hotline@datcp.state.wi.us Website: http://datcp.state.wi.us/ From the BBB website: Dear XXXXXXX XXXXXXXXX : This message is in regard to your complaint submitted on 4/13/2014 5:56:06 PM against Professional Account Management, LLC. Your complaint was assigned ID 10009119. Recently, we received a rebuttal submitted by you and requested further response from Professional Account Management, LLC. As of today’s date, we have not received a follow-up response from the business. As a result, we have closed this complaint as Unresolved. This complaint will be reflected on the business’ BBB Reliability Report for three years with the language: “Customer not satisfied with the business response; BBB did not find business made good faith effort to resolve complaint.” Another option you have, if you have not already done so, would be to contact the government/consumer advocate agency below: Dept. of Agriculture, Trade and Consumer Protection P.O. Box 8911 Madison WI 53708 Phone Number: (800) 422-7128 Email Address: hotline@datcp.state.wi.us Website: http://datcp.state.wi.us/ If you have any further questions, please feel free to contact us. Thank you for your interest in an ethical marketplace. Regards, Bradley Colmerauer Lead Trade Practice Consultant bcolmerauer@wisconsin.bbb.org Better Business Bureau Please Note: The text of your complaint will be publicly posted on BBB's Web site (BBB reserves the right to not post in accordance with BBB policy). Please do not include any personally identifiable information when you tell us about your problem or in your desired outcome. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. BBB may edit your complaint to protect privacy rights and to remove inappropriate language.
  14. Hi. I am new and have been lurking and ready for about a month. I finally decided to pull my reports and post here. I have been in a battered women's shelter for 5 months. I now have my own apartment a great job starting at $13.94 an hour with a trucking company as a dispatcher and an opportunity for tons of overtime this holidau season. Here is my situation. I was with my crazy ex for 12 years. He handled all fiances. I pulled my trans report and score faco was 589 and $16k in collections. Lots of medical 3-5 years old and some of his credit cards where I was on them that are 5 years old. I pulled experion and score was 507. Total was $25k in collections owed. Again medical and credit cards joint with him and some cell phone and cable collections as well. I could not get equifax to pull. Said I had an account and I would need to call. I need to have my top teeth extracted and dentures VERY soon from where he broke a lot of my teeth and I am in severe pain. I also need a car as I am borrowing on that I have to give back next month. So I have decided the best thing is to file bankruptcy and start over. I am a frugal person and use to have great credit until I let a true sociopath take over and ruin it all. There is no way I cN catch up and I don't know how to afford the $2k needed for extractions and a denture on top at the moment but I am working as much as I ca to try and get there. Here are some questions: 1) what does it cost to file chapter 7? 2) do you think with my situation that would be my best bet? 3) if I file ch 7 how long before I could start to rebuild credit? 4) any suggestions on getting a car? Would a big here lay here for a cheap car work for starters? I can't afford to just pay a couple grand for a car. I would need a loan of some sorts and yes I know I would have a high rate but I have to start somewhere. I am rock bottom and just getting out of a shelter and Into an apartment and now Paying $850 a month rent is grocery plus light bill kid taking care of two kids us gas in the car I am borrowing takes all I have. This why they are letting me work overtime. I am suppose to get $1150 a month child support but dad is in jail awhile so that doesn't get received. I am just looking for advice on how to start and get my life back on track. My BIG issues is I need a car and i need my teeth fixed within next month or two MAX. Thank you for any suggestions or kind words. We do not qualify for food stamps or state assistance so I think I am doing damn good with what I have right now. Again thank you!!
  15. I had a Eufora account 5 1/2 years ago. I paid the yealy $80 fee once 5 years ago and then requested that the account be closed. I did not have any outstanding charges on the card. Now it is appearing on my credit report as a 30 day late(not a collections account) and shows that the account was opened 5 years and 4 months ago. Eufora is now defunct so...what do I do to get that $80 off my credit report? The tradeline says Eufora and an Arizona address, unsecured loan payment rems $10 for 12 months. Does not list any payment history for the past 48 months. How do I get rid of them? Thank you!
  16. Hello Everyone - it is Oct 1, 2014 I have been lurking on this site for a bit and finally decided to register and post my own struggles and seek advice. I just graduated from college in June and got a job in August and make a decent salary; I'm able to save about $1000-1500/mo after regular bill payments, depending on how frugal I am. I also live in California where the SOL is 4 years. I have opted-out and am in the process of calling the CRAs to remove old addresses. I haven't gotten any real reports, annualcreditreport.com gave me "We were unable to honor your request. " I am going to print and send the form that came with the notice. creditkarma.com lists the following: Credit Score: 602 (up from 597 last month - woohoo!) Auto Loan: $13,714.24 @ 2.9% (not a problem) Fed Student Loans: $47,345 @ 3.6-6.8% (unconsolidated - still in grace period) Sallie Mae: $27,018 @9.75% (yikes!) 6 derrogatory remarks: CA1) $1642 - Delinquent Capital One (Feb 2011) CA2) $839 - Medical - Uninsured at the time (Feb 2011) CA3) $735 - Delinquent CC? not sure - (Oct 2013) CA4) $640 - Dental - Uninsured at the time (Oct 2010) CA5) $183 - Medical - Uninsured at time (Feb 2010) CA6) $122 - delinquent Utility bill (Nov 2011) I think it is worth noting that none of these accounts are with the original debtor but a Collection Agency. So I'm trying to come up with a plan of attack here: Obviously I want to get rid of all the negative CA marks, however, the interest on the Sallie Mae loan is killing me. I know I have 36 months of deferment for the Fed. Loans and I'm hoping to have a huge chunk of the SM loan paid off by the time that's up. For SM The minimum payment is about $249 and I can afford to pay $500-750/mo but that doesn't leave much room for aggressively tackling the CA's and still build a savings. Some of those accounts are past the SOL and one (CA4) is approaching the end of the SOL. I have moved around quite a bit so if there was a summons sent I didn't get it. I'm a little hesitant to send out DV letters as I read here that it could actually harm me: http://www.avoidbk.com/debt-validation-letter/ Should I send out DV's to the ones past the SOL or send them a C&D? I think the next logical step would be to verify the debts listed above that aren't past SOL by phone and try to strike a deal. I did get one off my report by paying 50% of the original debt amount, Is this bad practice? Next would be to aggressively pay off the SM debt after I've built a good savings and cleared the CA marks. Maybe join a CU and consolidate all the SL debt into one at a lower rate. What do you think? Thanks in advance!
  17. I am hoping to find some good help In Nevada, I had my car repo’d from coming out of divorce, nothing I could do… it seemed like the best move. anyway to make a long story short. After the Repo about 3 months later I received a letter for the bank notice to pay in full and they will be selling the car, then nothing for 9 months. I get a letter from a collection company wanting $13,600 I respond with this > Dear Mr. Recoveries Thanks for your letter I just received it. Sorry for the delay in returning correspondence I am currently struggling with unemployment and homelessness and on the good graces of friends and family. I am looking at all legal means to resolve this. First I need to start by getting the assignment of this debt or it’s probably safe to say the debt is not valid. As referenced in the top of the letter, I am financially bankrupt and only have the support of friends and family. Because this is a legal matter any future communication will be in writing. *no response from the letter. like the letter say’s, I have been getting my flowers kicked, so flash forward here present day it is now 13 months, like the letter has said I have been sleeping at my moms saving money, im a little better off. I would like to get this fixed before it gets out of control. I have called some attorneys, not real promising. looks like with such a low amount of debt, I’m prolly on my own with this and im not going to turn my money over to these debt settlement scam agencies. my questions are this - what should I try to settle this for? what is my next step? and advice going forward? what are the chances of getting sued? and do I have this correct that in Nevada they have 3 years SOL on this?
  18. Hi all - I'm new to the site but from what I've been reading it seems to be VERY informative! Hopefully this a quick question to answer. Just recently I started taking my credit seriously and that meant actually viewing my reports. I found many discrepancies that I disputed and had them removed, yay! I have a valid collection that remains on two of my reports. I am wondering if it is best to pay them (hopefully at a settled price) and ask them to remove it from my reports. Is this something that I could ask? Is it even possible? Should I even pay them? It's with Midland and from some of the things I read on here it seems like they're being sued for something so before I proceed I would love to get some feedback. Also one more thing I have a student load that I defaulted on and just recently set up to make payments. I haven't made one yet and that account is listed under potentially negative. Do you think I could send them a letter after I made a few payments to ask to take the delinquency off? Other than those two things the only other I need to do to to up my credit is to actually get a card. I applied for a secured one so I'm hoping that helps. Thanks in advance and sorry if it's really long!
  19. I had another post but thought it may be best to start a new one with this information. I disputed Midland's collection on my TU report and this is what is now written as a note: "Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act)." So basically they verfied the debt but that doesn't mean that it's validated correct? I could send them a DV letter? I'm still reading up on boards every chance I get. This debt is the only negative on two of my reports (besides some late fees). Midland is currently NOT showing on my EQ report (that one appears to be my cleanest) and this what is listed on my EX: MIDLAND FUNDING Potential Negative Closed Account Name: MIDLAND FUNDING Account #: XXXXX Balance: $140 Date Opened: 8/1/2011 Account Status: Closed Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department At this point, I'm little lost. I have been reading anything and everything regarding them and DV and PFD. In this case they seemed to have have closed the account but on my TU report it is open. I just would love to have some advice on what my next step should be. How can the account be closed AND be opened at the same time?? What in the world do I do now?
  20. Does anyone know how a cell phone bill is classified? I have been googling for days and have yet to find a clear answer. The statue of limitations in my state is 10 years for written contracts and 3 years for open accounts. I have a 3.5 year old cell phone bill in collections (Midland) and I desperately need to know if the SOL has run out on this. Thank you.
  21. I have credit cards that's in collections and a for profit school that I need to remove from credit report.
  22. Hello CBers. My credit was looking great thanks to your help, but now I have a new baddie. It is from Online Collections for about $50.00. Reported on 8/14. Assigned 6/14. DFD of 6/11. Original creditor is Entergy New Orleans. Before I send a DV, I'd like to know if anyone has any other thoughts or experiences. I've removed an ERC collection using a DV. I removed CM collection for a friend by PFD. I've read on the board that these Online Collections people respond to DV and will not PFD. Not reading good things about them.
  23. Hello, I'm in the final stages of recovery from a bad financial situation in 2008. I had a ton of negatives on my reports. Now I have zero late payments (96 payments and all on-time), 0 credit inquiries, nice aged accounts, and credit utilization under control. I'm happy about that. However, I have one major issue with my report. I have FOUR derogatory remarks: 3 open accounts in collection and one public record. I defaulted on those credit cards way back in 2008. However, on my most recent pull on credit karma, it shows a "data opened" of feb, 2012 with Asset Acceptance, LLC. The last payment I made on the credit card account (with bank of america) was back in 2008 though. I'm from Michigan btw if statute of limitations is a concern. However, I've been overseas for the last several years. I'm confused as to what is my best course of action to get these removed from my credit reports. I've done reading so I'm not asking without having done some homework first. I would really appreciate some advice. I'm coming back to the U.S. next month and I really want to attack these and get them off my credit report. So should I be asking asset acceptance to validate?
  24. Hi, So, I pulled my credit report from Experian and there is an account listed in collections. It says the original creditor is Comcast. The "date opened" is 07/2013 and "reported since" is 02/2014. It also says under "Your Statement:" "Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act). Well, I didn't open an account with Comcast in 2013 and I've never disputed it. I may have had an account with Comcast about 4 or 5 years ago (I don't remember if it was in my name) but this must be somebody else's account? I went to the collection company's website and entered my Social Security #, and sure enough there it was. So I have two questions: 1) Is it possible this is from that old account? 2) What would be the best way to go about correcting this? I'm thinking I should contact Experian and ask them when/who/how it was disputed and then contact the collections agency and ask them what this is about? I'm also pretty sure I've never received any mail or phone calls from the collection agency. Any ideas or advice would be very appreciated. Thanks!
  25. I'm about to send my first DV. Is it okay to use an online service to send CMRRR such as LetterStream? Or does that somehow defeat the purpose of the CMRRR? The only thing I can think of is I might not be able to add the tracking number to the letter itself.

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