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  1. 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 h
  2. 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 val
  3. 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 ord
  4. 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.
  5. 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!
  6. 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
  7. 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.
  8. 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.
  9. 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?
  10. I finally decided to attack my credit issue rather than pretend they don't exist. Here is the situation Here is my CreditKarma information... TransUnion and Equifax (both show the same items Credit Cards $0 I have a $500 secured Discover IT card that I used for YouTube TV payment and that is it. Between 10% and 30% utilization opened May 2020. My mother added me as an authorized user to her Costco Capital One card that has perfect payment history, 8 years open and a $15,000 limit. Collections $5,317 Armada Corp Total Accounts 6 (medi
  11. Hello, new to the forum (glad I found it) , I have a collection agency called Simon's agency which is trying to collect on an already paid debt , I have reported this to the CFPB but I need your advice on how to proceed further. Any help highly appreciated .
  12. Basically, below are the baddies on my reports. I know I can't do much for the lates, but I'm hoping I can work on the other ones. I’ve been lurking and researching, but not sure what to start with. Any help is appreciated. Equifax Lates: Auto loan – 10x in past 2 yrs. 8 Navient Accounts – 7x in past 2yrs. (although was in forbearance) 2 Utah Higher Edu Accounts – 6x in past 2 yrs. (must verify if was in forbearance or deferment) 1 ACS Group Account – Sold in 2016, shows as closed and current status of 120 days past d
  13. I have an AMEX charge off from 2017 its paid but I want it off my reports I've called them but the guy on the phone just kept saying nope can't take it off even if paid. I've even tried disputing them because they were reporting the wrong info but they just update with the right info. I was able to get approved for a different AMEx card two months ago so I know I'm not blacklisted I was wondering has anyone had any luck with something like this.
  14. I am working on cleaning up a few items on my credit reports and not sure which way to start. There are two Paid Collection medical bills showing on my reports, which is hurting my ability to rebuild my credit after divorce. They both are being reported by the same medical collection agency that is a local company where I live. They are both old, but still have a couple years to fall off my reports. One for $73 has a delinquency date of 3/2015, assigned to collections 1/2016, paid in full 7/2016. Last reported to credit bureaus on 6/2017, The other one for $164 has a delinquency date o
  15. Living in Texas and law firm has Texas address. Was contacted by Rausch Sturm law firm who say they are representing portfolio recovery associates. They list the original owner of debt as Barclays credit card so I know it’s real. I want to pay the debt. It isn’t past the 4 year statute in Texas because original debt is from 2016. However, They do not indicate an offer. They just indicate I can contact them via phone or mail to discuss options. Should I wait till they make an offer? Should I call them or write a letter? I’ve seen websites discussing advantages of both calling
  16. Anyone have experience pulling medical collections back from the credit agency and start a payment plan with your HC provider? Or negotiating with a HC provider for items already in collections and paying the HC a negotiated monthly amount or a one time negotiated payment then doing WhyChats system if the items are not removed from collections? The reason I ask is I have over 9 open accounts with Armada Corp (CA) totally over $15,000 and I am looking for the most efficient way to get this removed from my credit report. Thanks, BFee
  17. I have 6 trade lines reporting from Ascendium collections with notation of student loan and various amounts. After reviewing my credit report it shows US Bank as the original creditor. I called the student loan servicing phone number and asked where these tradelines are coming from & the rep states my student loans were consolidated. So of course I asked how because I don’t recall and never signed any docs. I requested her to send me the consolidation signature docs and any reference documentation. She only sent the original loan dating back 24yrs. Can someone offer advice how
  18. Lovely Navient is posting 4, yes 4 charge-offs on my credit report. I'm starting with Equifax. Round 1: Disputed because there was still a past due balance showing on the charged off accounts (all of them). One Navient Account deleted, the rest were "verified." Equifax "updated" the "date of last payment" to literally June 2020 ... on charged off accounts. They still show a past due balance, even though the debts were sold to a collection agency. Round 2: Sent a method of verification letter to Equifax. Equifax responded with a "We don't have a credit file for you" le
  19. I am in really bad need of some advice on what to do with two accounts showing up on all 3 credit reports. I realize I made a mistake and somehow I need to fix it but I don’t think I deserve what this place is doing. The two accounts are duplicate accounts and are the same credit card account, but it is not showing that way according to all 3 credit report agencies. In 2019, I was going to be away for 3 months for some important medical treatments and I knew that I would not be able to take care of my payments during this time, so I set up automatic payments from inside my checking
  20. Trying to help a friend and not sure what to do. They were just served with paperwork from the Courts in Osceola County, Fl. It was filed by Raush Sturm on behalf of Sears for some appliances purchased almost 5 years ago. The account was interest free and when it came time to make the final payment it was offered to Sears to split the final payment within 7 days of each other to clear the account. They refused and final payment was not made. In the documents they included only 1 statement which shows a balance now due of $9027.70 as of 1/9/2019. Currently she has 10 days to answer the court c
  21. Does accepting a settlement offer on a closed credit card account help or hurt you in the long run. Account closed with Best Buy in December and now receiving settlement offers from CRA. Should you go for it? What about requesting a pay for delete along with it?
  22. Hello, everyone. For the past week or so, I've been reading up on ways to deal with a CA that recently showed up on my credit report. I stumbled upon Why Chat's HIPAA program, read through it, and while it's quite clear, I just want to make sure it is the right thing for me. I'd also like to use it to ask potential follow up questions along the process. It showed up on my credit report June 28th, with a Date of First Delinquency of February 20th, 2017. At the moment, it only shows up on Equifax and Experian. It's from a hospital visit in California, and I am from and cu
  23. Hello Credit Board I am newbie to this forum, but have been lurking for a while. I had recently pulled my credit report and I am having major issues with my student loans. Apparently I have loans that have been transferred \ sold and now are with a new company. The original loan was open back in the 2000's but they are still showing on my credit report. I am not sure how I can have these removed. Any assistance would be greatly appreciated. Thank you in advance
  24. I have a Sprint collection with a hefty amount that is reporting with Source RM, the only collection on my file. Dofd is 12/2018. It was originally passed to Convergance, and most recently Source RM. I DV'd Source RM and received bills and a contract for a financed phone. Is this sufficient validation? Also, should I just leave this alone until the sol passes and then work to get it removed? Also how will the merger with T-Mobile affect my ability to get this removed?
  25. so I went to the emergency room out of state. my insurance was due to cover this as it was an emergency visit. I got a letter in the mail that I owed an outrageous bill. Well, I got on the phone and "got it straightened out" Since then, it has been about 4 years give or take since this large bill was owed, and it is still showing in collections now as $600 owed. Issue is. I have spoken with both the hospital crediting people and my insurance people for the first 2/3 years straight when all calls ending with "we will get this taken care of" each time, I get a bill in the mail 4-6 mo
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