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  1. Hi All First time poster, long time lurker. I sent pre hipaa letters to Transunion and Equifax (the accounts aren't on EX) for 5 of my 12 medical collections. I received a letter from TU THE NEXT WEEK saying that they are all removed. Still waiting on EQ. I didn't want to send too many at once, so I'm going to wait 60 days and send TU another pre hipaa for the rest. Anyone see potential issues with that? I've read a lot, but I want to make sure I didn't miss anything. I also have some paid charge offs that I sent goodwill emails for yesterday: Chase, Credit One, and Capital One. I've seen success stories on these, but not any in the past few months. Has this worked for anyone recently? I'll update if I hear anything from them...crickets so far, but I forgot to include my # (good job, dork) in the email. Hopefully they'll email me or look at my account because I know they have it. Other than that, I have a paid Verizon charge off that I've disputed twice to no avail and an unpaid utility that's only on Experian. I'm going to try to goodwill Verizon and dispute the utility. Side note: I've had pretty good success having new collection accounts that pop on removed if I dispute them right away (I have credit monitoring).
  2. I figured I'd post this to see if this helps anyone. I had a check bounce, and a checking account go into charge-off status about 3 years ago. About a year ago, before I found this board, my wife and I paid it. Well, it was still reporting as charged off on my credit reports.. so I utilized whychats judgement template, changed it a bit, and waaalaa, gone! I didn't want to take the chance of them updating it to paid.. So here's what I sent: My name is xxxxx xxxxxx , my SS # is xxx xx xxxx. I am sending this dispute certified mail # xxxx to make sure you receive it. My report # is xxxxx. There is no such charge off of record # xxxx from this date for this amount from this creditor. I have documentation that supports my dispute of this erroneous entry on my report. Please remove this entry immediately. If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on “Abusive” Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) Very truly yours,
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