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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!

Hi there, I am looking for help on what to do for a Bank of America credit card account that was charged off in December 2012. If I remember correctly, I actually paid this account off in full, but I don't remember for sure as I had a number of credit cards in bad states at that time, so one may have actually been charged off. The status is "Closed. $1,992 written off." The comment says, "Purchased by another lender." I do not recall ever being contacted by a JDB for this account, but it may have been them that I eventually paid off in full. Though I would have thought that would have been much earlier than late 2012 or early 2013. The first month reported for this TL on my credit report is Septemeber 2009, and it is clean until January 2011. The following negative items appear from that date: 1/11 - 30 7/11 - 30 12/11 - 30 3/12 - CLS 4/12 - CLS 5/12 - CLS 6/12 - 30 7/12 - 60 8/12 - 90 9/12 - 120 10/12 - 150 11/12 - CO 12/12 - CO I do not recall getting any notices in 2012 or thereafter. Anyway, I am guessing I need to send a validation letter. Let me know if that is incorrect. But, if it is correct, can someone point me in the right direction? I would be grateful for a sample letter. I will of course not use said letter, but it would be nice as a starting point to get my bearings and craft a letter to my specific situation. Also, how do I need to send that? Certified mail return service requested? Any help in getting started with this negative TL is most appreciated. Really, I could use step by step instructions or a link to where to find them. Thanks!