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Found 207 results

  1. Over the past 24 months, I have experienced many life changes. In my efforts to return to the land of credit worthiness, I need to address several adverse issues on my credit file with the 3 major reporting agencies. I would like to seek advice on how to handle the following derogatory comment on my file. I had taken out a pay day loan. Given many financial challenges, I was not able to pay back the $5,000. I did make a couple of payments, but on August 2018 they wrote off my account and sent it to collections. I reached out to the originally creditor to settle my credit obligation, but they informed me it was sent to a collection agency. I contacted the collection agency about this debt, but they informed that they no longer handled this debt collection. However, they provided me the contact information of the collection agency who does. Which brings me to my question, should I try to settled with the new collection agency or file a request with the credit agencies to get this item removed? It seems that the trail to track down this debt is not simple. In the case, I work with the new collection agency, do they have the ability / power to remove the adverse credit? I look forward to your comments.
  2. So I rec'd a fico alert today and after logging into MyFico my TU took a 58 pt hit and a collection was reported. It is by Allied Collections on behalf of Western Dental for $348 with collection open date of 4/2016. I had a collection for same amount on TU a long time ago but it aged off my report without any action on my part. I have never rec'd any written correspondence or phone calls about this debt from Allied or anyone. It aged off my TU report in 2017. I called TU today and and disputed this collection for being timed barred and way past the SOL. The TU guy from India kept asking me if I ever owed the orginal creditor and he said they can report for up to 10 years. I told him I have never used Western Dental in over 10 years and the SOL for CA is 7.5 years. Long story short, the dispute is the account is too old to report. I do not have a statement copy showing DOFD. Afterwards, I found in my email for 4/26/2016 a PDF copy of my TU credit report showing this same collection by Aargon Collections and the estimated date it would age off my report was 4/2017 per TU, which it did. My question is can I use this old TU report to give to TU showing their own notation that this collection is too old to report?

  3. Hello, If anyone with experience could read this over and please tell me if I'm heading in the right direction, I'd be FOREVER grateful. Thank you! (I live in TX) I was served on March 18th a JUSTICE CIVIL CITATION by Midland Funding. Original creditor: Synchrony Bank Card/Account name: JcPenney Claim total: $2889 Date account opened: 11/02/2005 Date account closed/charged off: 03/11/2018 Date of acquisition: 04/27/2018 Backstory: we were displaced back in June 2017...we were given 30 days to pack up everything we own and find a new house (we had been there 12 years). Our rent went from $700/mo to $1250/mo and I was completely unprepared for that price jump so I had to stop paying on a couple of my credit cards. Fast forward to this year...as I mentioned, I was served on March 18th and my response was due on April 1st. I completely forgot. And then three weeks later, my 12 year old nephew committed suicide. So, THAT was an obstacle in itself. It has taken me months JUST to get back to "normal" from the depression/etc. So now, here I find myself in September already, looking at a letter titled DEFAULT HEARING NOTICE (rcvd 08/29/19). It says I have a default hearing set to be held on September 20th. I know I'm cutting it SO CLOSE, but what options do I have right now? I did some research and found that I should still be able to file a MOTION TO SET ASIDE DEFAULT JUDGEMENT and NOTICE OF HEARING, with the reason that I didn't attend the hearing due to "accident or mistake rather than intentional or conscious indifference". Is this true? I keep seeing conflicting information (or I'm not comprehending it completely). I also saw in the forums that Synchrony Bank does arbitration. I was successful in beating Midland about 4 years ago by going through arbitration, SO if I am able to get the judge to set aside the default hearing, my plan is to ask for arbitration.
  4. I have a medical collection on my TU account only from OAC for $537.00. The debt was from a Xray visit in may of 2014. Collection was placed 1-2015 and continues to update. All other bills at that time were paid by American Family who the was apparently reimbursed by the commercial insurance policy of the company whose truck driver hit me from behind. They paid all phys therapy, doctor visits, etc during that time. I do know for absolute certainty that I gave them my AmFam card prior to treatment just as I did for all treatment. What is the best way of dealing with this? Thank you.
  5. Help with Eastern Account Systems I have a collection showing up on my 3 reports from Eastern Account Systems (EAS) for a medical bill from back in 5/2015. The account is listed as first opened in 6/2016. I have never made a payment to them, nor have I even contacted them. They now have "updated" the balance in 7/2019 (I am assuming to attempt to extend the SOL), yet I never did anything, and the reports list the balance as the same amount. Looking to possibly buy a home in the next year or 2, and would like to see this gone. What are my options? I am in a better position financially then I was 3 years ago, and could pay the medical provider directly, or do i wait out the SOL ? I also just recently payed down some CC debt, and pulled all majors + Innovis, so i have an idea where I sit. I just have this medical collection and 2 lates with Cap1. the lates are on 2 different Cap1 accounts in the same month about 3.5 years ago. Is it worth trying a good will? Or just let them age gracefully? thanks!
  6. Hi All, Well it's been literally YEARS since I've needed advice here (my credit is great now, thanks to everyone's wise advice and my persistence after going through a BK some years ago)! So, about 1-1/2 weeks ago, I had mine and my husband's bills with Aurora HC to call in and pay all of our co-pays ($25 for each office visit). It was late on a Friday afternoon so I paid all mine (around $200). I asked the customer service rep if they were open on Sat and she said no, so I said I'd call back this week to pay my husband's co-pays ($150). Of course, stupidly I forgot to call them back (I could kick myself now), as today I got a collection notice from Alliance Collection Agencies, Inc. in Marshfield, WI for the oldest of the co-pays (3/18/19) for $25. I immediately called Aurora to pay his current $150 (which no longer included the $25 for the 3/18 date, but one more future office visit he had), so those were taken care of. However, I asked them if I could also pay the $25 3/18 directly to them. They told me no, that I had to call the CA. Believe me, not something I want to do as it could come back and bite us as a PAID COLLECTION. We both have pretty stellar credit and this just kills me. So then I asked to talk to a "Lead" at Aurora, and she told me she could take the payment, but then Aurora would have to wait until the CA contacted them (and there's no predicting how long that could take as she told me they only contact them once a month). So I did NOT pay it for now. And I didn't want to call the CA and pay it either. I did ask her (the Aurora Lead) if I did pay it would it stay in their system to be applied to that date, or would it go to one of my husband's future doctor visits, she seemed to think it would stay until the CA reached out to them. I've NEVER had this happen before. I've always been able to call the HC provider if one ever did slip through and they'd always take the payment. As I said, the CA letter just came in today's mail. So what next? I am familiar with Why Chat's HIPPAA method, I had to do it years ago to get a bunch of medical collections OFF my Credit Bureaus (it worked), but at this early stage of the game, should i just call Aurora (medical provider) back and talk to the Lead again and give them the payment today or tomorrow? Any advice would be greatly appreciated. I don't want to start with any letters or anything if it delays this getting paid and accidentally goes on my DH's credit. I'll wait for any of your wisdom, and THANKS!!
  7. Utilization Consolidation Optimization only using EX HELP! Scores EQ538 TU587 EX638 Amex blue 10K / 4K bal Amex Every 10K / 7500 bal BOA Alaska Air 4500/ 3900 bal DISC 6300/ 4200 bal BECU 2K/ 1500 bal Cap 1 800/ 0 bal CITI 1K/0 bal Credit one 950/ 0 bal First Premier 1K / 0 bal First Premier 400/ 0 bal Student loan 9500/ 9270 bal I was at 690-710 on my scores then loaded my cards, killing my scores from over utilization. Along the way I was dealing with a federal agency penalty which before it got through with the appeal/contesting/adjudication the person I was dealing with retired, and the division of the agency closed now sending all penalties directly to Treasury. Soooo Treasury’s Bureau Of Fiscal Service is the taxpayers collection agency and they are tough. Sent me a notice of intent to garnish me (they can only take 15% after tax) and hit EQ and TU with a 40K collection! One of the listings said the account start date was 01/01/0001 that’s 1000 years before the crusades. So my credit repair person immediately verify challenges them. They have now come back twice updated with more info and amounts claimed, My insurance will cover part of it and I have a attorney doing the adjudication challenge with Treasury but the process is slow, maybe a year. So even though the debt is not being avoided by me, and hasn’t been confirmed, they are jamming me up on the bureaus. Im trying a third time verification with EQ TU maybe the govt shutdown will help them miss the 60 day window. But I’m dead on those bureaus. I tried my CU but they pulled TU and that’s how I found out about the Treasury listing. HELP: I know my EX score is low from loading up my cards, won’t a consolidation loan get my score back up? EX has 5 inquires 3/18 11/17 11/17 11/17 10/17 I’ve gotten the typical mailing from BestEgg and was about to click the button but waited, wanting more info. Here on Pulls it looks like they only pull EX? I need to figure out how, if it’s possible for me to do this. In the mean time I need to get a car, a person I’ve been working with says the finance person has banks that only pull EX. I have a good job, 70K at it 8 months, went to school last year to get the job. years of credit history, only 3 lates from over two years ago. Qs: 1. Where how to get consolidation loan to put out card fires. 2. Apply for consolidation or car loan first? 3. If I can get more then I need on consolidation should I take it and use extra to pay down balance then it will show less then 100% on my report and now count as bad? 4. Is there any hope I can pull this off? 5. The BestEgg prequalified offer is good only till Jan 9 so time is ASAP crucial, I haven't clicked through on it yet so they haven't run me, and they are emailing me to continue. Thank you for any and all help!!!!!
  8. Neighbor whose wife has the math skills of a monkey has a credit card charge-off and asking me questions about who owns what tradelines and how long they will remain. Specifically: 1. If bank hires a CA, both bank and CA can report, right? Does bank have to report $0 balance? 2. If CA can not verify debt, can they still report? 3. If you tell CA to FOAD, can they still report? 4. If bank sells debt to JDB, can bank still report? $0 balance? 5. If bank hires CA and CA obtains judgment, other than the judgment itself, who reports and what balance does each report?
  9. I have read a lot of horror stories about Convergent (not so much related to my post, but seemed worth mentioning). I received a call from them yesterday saying that I owed a debt with PayPal and an immediate push to pay. I had an account with PayPal for many years (since they started) until three years ago when a customer filed a claim on work that had been done for him (custom project), and they sided with him, putting my account about $1000 in negative. There was absolutely no valid reason for them to have sided with him, and I said all that in the dispute (and also tried to discuss with them directly). Anyway, that was three years ago that I stopped using PayPal due to this dispute. This is not something that's on my credit report. Obviously, I don't want it to be on my credit report, but it seems like a long time from the issue without it being on my report to come up now (maybe I am mistaken). I have settled other accounts when called about legitimate debts. It's not that I want to avoid paying a debt. It's that I do not want to pay this as I very much disagree with it...and went to great trouble to use an alternative for payments because of it. What do you think? With the time that has past, do you think it will end up on my reports if I don't pay this one? Thanks much in advance for input.
  10. SORRY IF THIS IS TOO LONG WINDED! I'm in my early 20's looking to clean up my credit due to some naiveness as an 18-year-old. My goal is to get to a point where I can be approved for higher level credit cards and eventually buy a home. I've read most of the posts in the newbie section and am preparing to start sending letters, but I wanted to run my strategy by someone first and hopefully get some advice. The collection I am referring to is below: Afni, Inc. ( Cox Communications ) - Reporting on TU and EQ Amount: $523 (same as the amount from Cox) DOFD: (not reported on Afni collection) my statements show - 12/2015 Date Opened: 04/2018 First Reported: 05/2018 *note* I do not recall ever receiving a dunning letter from Afni *note* before CB I didn't know what I was doing and called Afni to ask what this was and how to get rid of it. Was told I had to pay it and they couldn't remove it but only mark it paid in full. Never paid it and was offered a settlement by them which I did call and discuss with them but ultimately never sent a payment. My state law says this doesn't reage the debt, thank goodness. Arizona sol is 3 years for an oral contract or open account and 6 years for a written contract or credit card. I never signed a contract with Cox, they have a user agreement. I'm assuming the agreement meets the qualifications for a written contract so the sol is through 12/2022. If I'm mistaken in this then I don't think the agreement is legally enforceable ( doubt this is the case ). I'm hesitant to pursue the 1-2 punch because I would like to keep the option of paying the OC directly open in the future (I can submit a payment online) and want to keep the CRA out of it for now. Further, I'm unsure what the likelihood of a lawsuit is in this case if it's within the sol so I don't wanna push it. So, my strategy is to send a simple DV the CA to request information they hopefully don't want to provide and find out if they own the debt outright: "[Your name] [Your return address] [Date] [Debt collector name] [Debt collector Address] Re: [Account number for the debt, if you have it] Dear [Debt collector name]: After reading an article recently about the occurrence of incorrect information being reported to credit reporting bureaus I've become concerned. For this reason, I would like to utilize my rights under the FDCPA guidelines to request that validation of all information pertaining to Acct name, acct # listed on my report is correct and valid. I also request the name and address of the original creditor, the original debt's amount, and proof that I owe this debt to you be provided. Or, please delete this in accordance with my civil rights protected under Federal Law. Be advised it is inconvenient for me to accept phone calls or any other method of communication other than US mail regarding this matter. Please communicate accordingly. Sincerely, Me Dawg" If they own the debt outright then I'm most likely going to send a more detailed DV targeted at JDB along with DV to the CRA. If they are a true CA I will most likely use the Pay OC strategy. Any input or advice would be very helpful!!!
  11. Hi everyone. I’m trying to repair credit for myself and my husband so we can get a good mortgage hopefully by next summer. We have some dings from job layoffs and not having emergency funds, but I have spent a year and a half getting our budget set up so we have a good buffer and should job loss happen we would still be able to pay our bills for a while. So, credit repair is the next step. I am hoping for some advice. I’ve been trying to do things on my own and I feel like I still am kind of clueless. I sent some verification letters but a mortgage lender told me having those disputed notes on my file is no good. Good? Stuff from my credit report: Capital One Quicksilver $1500CL, paid on time and utilization under 9%, opened 3/2017 Capital One Quicksilver One $500CL, paid on time and utilization under 9%, opened 11/2017 Comenity store card $610CL, paid on time and currently $98 balance, not sure if I should pay that down more - I hate to keep buying stuff and I want it to report, opened 10/2017 Self Lender that was paid off in 2/2019 so now it reports as closed Capital One auto loan, balance around $14,500, paid on time, opened 12/2018 All of my student loans report paid on time. The bad stuff from my credit report: Credit One chargeoff, reporting $0 balance, DOFD 1/1/2015 - I paid the CA for this one, both OC and CA are still showing right now (just paid it off for a settlement amount this month) Old Navy paid for less than full balance and closed in July 2013, reports past due through end of 2013. It says “account paid for less than full balance”. Not sure DOFD. Kohls chargeoff, DOFD 4/2013 Barclays chargeoff, reporting $0 balance, DOFD 2/2015, paid the CA for this one as well - both OC and CA report, similar to the Credit One account above. This also says “consumer disputes after resolution”. First Investors auto reposession 8/2015. Reports $0 balance. PRA $999 old Cap One card, DOFD 3/2015 Midland for Barclay, paid for less than full amount, CR has not updated yet Midland for Credit One, paid for less than full amount, CR Has not updated yet Penn Credit electric bill collection, placed 4/2016, planning to pay this week Professional Debt Mediation collection, planning to pay in the next few months, placed 2/2015 My husband has 2 open, paid on time Cap One cards (newer than mine), the auto loan, and then 3 collections that I am planning to address this year. Should I write letters to the original creditors to ask them to remove things? Should I just continue to pay off the CAs? I know PRA will now delete once it’s paid. Are there other letters I should write or steps I should take? I guess I just get confused as far as whether it’s beneficial to actually send all the validation stuff, or whether it’s actually harming my report. Thanks for any advice.
  12. Trying this again since i have more info- I have a lease from 4 yrs ago that’s been reporting as a collection. It was an eviction due to them getting sick of me paying two weeks into the month with late fees attached . I called the property today because i think the amount they are listing is incorrect. Apparently there is a new management company and i got this response..can i use this to my advantage? I do know NCC has the debt and is still reporting the original company I rented with as the owner. Any help would be GREATLY appreciated.. ——————————————- We have recently purchased the community and changed management teams as of 01/04/2019 therefore, your account and file information was part of XYZ Company. I would have to refer you to them to find out what collection agency they placed your file with and how to get this resolved with them as the debt, if any, is owed to them. Please reach out to XYZ Company here in town and inquire about your home, 11-406, here at Axxxx and they should be able to provide you with Katherine’s information to reach her or another person in their management team that could assist you in finding the collection agency used to resolve this matter. Please see the ledger attached, this is all I have record of. Thank you, Laura J Property Manager
  13. Hello all. Georgia resident here with a few questions about garnishments: Edited to add: Due to an ongoing illness and medical costs I have 3 revolving accounts that have went to collections. A CA originally filed a judgment summons in my county of residence. I was unable to attend due to a hospital stay and the judgment was awarded to the CA by default. The CA then proceeded to attempt garnishment action in my county of residence, but my work agency requires filing garnishment actions in the county where our home office is located, which is Dekalb County. The garnishment was enacted and was satisfied on Jan 15th after 6 deductions were taken from my paycheck. On Friday I received several "Ambulance chaser" offers from various law-firms in the Atlanta area wanting to help me stop a garnishment that was filed by this same CA on Feb 21st in Dekalb County Court. I have yet to be served any summons or notices of actions by the courts or the CA. I was under the impression that a seperate Judgment had to be obtained for each garnishment action that was filed. Can a CA use a single Judgment as a means to garnish a persons wages for more than one account?
  14. I paid the OC before finding this program. The CA updated the collection on TU to "Pay Status: >Account Paid in Full; was a Collection<" The website for the CA states all of their collection programs are "designed to be consumer conscious and are HIPPA and FDCPA compliant." My question is will this will this program still work for them?
  15. Is a lease considered an open account or written contract? Logic is telling me written but I’ve here due to how leases are paid, it could be open. I’m in Virginia so it’s 3 vs 5 yrs difference. thanks!
  16. Hi, I have two Collections left on my account. I have PRA which I believe I’m going to pay in full just to get them to remove it off my account. It’s not very much $$and I can afford to do it, so I can get that one off my reports if their removal of complete payments that I’ve been reading about is correct. My main issues with NCC. I’ve got an old lease that ended about 4 1/2 years ago. It was an eviction due to late payment- i always paid my rent late, with late fees, and they got sick of it lol...I disputed with NCC one time last year which wasprobably not smart considering I was still with SOL. My reports came back as “updated“ but I don’t believe I ever got any verification sent to me. At this time, would it be smart for me to go after NCC again? My reasoning is if they were going to come after me they would’ve done it last year when I disputed with them. I’m thinking they may not have any concrete proof of the debt. Or would it be smarter to go after the OC and see if the amount they are reporting is correct. I don’t believe it’s correct because, as i said, i always paid and The landlord even gave me an additional week to get my stuff out of the place after the evection. I don’t believe she would’ve done that if I owe them any money. Any input would be greatly appreciated.
  17. Hi gurus here, I got a collection on my 3 CRA reports, for a utility late bill on an apartment which I moved out since 2015. My previous roommate continued using my utility account without my knowledge. Once I saw the collection, I contacted the roommate and he paid off the debt. But as you expected, since he paid off the debt already, i don't have much to argue with collectors. My credit score dropped 100 points (This is the only collection I had in my life) Before i found out this site, I've started with lexington laws service (yeah i might be very wrong) roughly a month ago, and they mentioned they sent out letters to all 3 CRAs already. But nothing changed on my scores yet. After reading valuable posts here, I want to dispute with CRAs myself this way: I have evidences to show I weren't living at that apartment since 2015. (I can provide my new apartment lease / utility bills during 2015 to 2019. I even moved to another state since 2017, and started a new job here), and my identity is used by somebody else. Is this a valid dispute strategy to go? Any advice will be appreciated!
  18. I just got a call from Comcast. They say I owe $185. This is accurate as I had moved out of my old apartment me and my brother were living in a few months ago. Everything was in my name Electric, Internet and Lease. So to try and help my bro, I kept everything in my name and he would pay me directly. Well after months of him constantly being late with the all the above bills I was already fed up. Then this morning I get a call from a collection agency called Diversified I think, saying that the Comcast Internet had been charged off and I owe $185. The charge off date was barely July 16 2017. It has not showed up on my Credit Reports yet. So my question is, should I call Comcast directly to pay the remaining balance? So that it doesn't show up on on my Credit report? Or should I pay CA? It hasn't showed up on my CR yet, and I'm trying to keep it that way. Oh and I'm done trying to help out my bro, I'm going to take everything out of my name. I worked hard fixing my credit with the help of Creditboards, and I'm not gonna let it go down again. Thanks!
  19. I had been making great progress in my credit journey and had a pretty good credit score. Back in 2013, I opened a CreditOne account (which I didn't need, and shouldn't have done...but they offered and I accepted). And then I lost my job. My replacement job paid more than 30% less than I had been making for the last many years, and the CreditOne card ended up being charged off. I have made a lot of financial adjustments, and am in a MUCH improved situation now. But I still have the CreditOne charge-off and the account has been sold to LVNV. The CreditOne limit was $950, but I don't really know what my true high balance was. The LVNV claim is $1317. I am able to pay the full amount. I really want to just settle this one out and get the best possible result for my credit report. I have pretty decent credit other than this. I have an auto loan with Chase, credit cards from Citi, AmEx, and Cap One. So making the CreditOne debacle go away is my big issue. Any suggestions would be greatly appreciated.
  20. This is a 'continuation' of my original post in the medical billing forum for Wakefield & Associates that is not medically related - and mostly intended for WhyChat: So I received my Equifax report today and only have two tradelines on it. A current credit card, which is never late, etc etc. However, there is an entry from Jefferson Capital for an old debt from Verizon (not sure how it got to be $561 but that's not relevant here). I need your opinion on the following: I was able to retrieve my old credit reports from 2014 off of an old external hard drive. My most recent Equifax report dated 12/10 shows: (Jefferson Capital) DOFD: 01/2013 DMD 1st Rptd: 12/2015 BOTH of these are clearly and undeniably incorrect. The actual dates - from reports from 2014 are: (Verizon - OC) DOFD: 02/2013 DMD 1st Rptd: 08/2013 One is off by a month and the other is off by 2 yrs, 4 months. The most important one being the date of first major del. My questions are: 1) Should I do a regular DV with Eq asking for: "Please advise me as to the name and address of the original creditor, the name of the account holder, and the reported date of first delinquency,as any account I might have had at one time would be obsolete. Please advise me as to the correct name and current address of this creditor, the name of the account holder, and the reported date of first delinquency,as any account I might have had at one time would be obsolete. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies." https://whychat.me/initdispltrsol.html (With blue background/blue handwritten ink) (The above is what I sent to TU & Exp and am awaiting on their response.) 2) Or should I do a "jack attack" that I have seen on here where you dispute each and every entry? 3) What is the difference in sending by priority mail vs. certified. Both can be tracked and neither has to be signed for. About a $3 difference in cost of mailing. Just curious. Other info on this TL from Jefferson: From Verizon in 2014 Months Revd: 35 1 Creditor Calssification: Financial Blank Status: Collection Account Collection Account Type of Account: Open Open Type of Loan: Debt Buyer Account Telecommunication/Cellular Whose Account: Individual Account Individual Account Additional Information: Collection Account. Collection Your thoughts please as I plan on sending this out tomorrow if I can get to the Post Office before they close. I have to get either the Priority/certified numbers before I can send it. I would encourage anyone reading this to also read your link to Attorney Lawrence Rubin. I have read it, but need to go back and read it 'more slower' without any interruptions. Thanks again for your help and the Creditboards forum.
  21. Hi! I could use some advice. Whychat? Out of the blue, I received a settlement offer from EOS CCA in Boston, a CA for "current " creditor, U S Asset Management, Inc. It says the original creditor was Century Link Qwest and gives the original account number as my old phone number. This number was disconnected when I moved on Nov. 1. 2011. This is past the SOL. There is no original date on the letter. The letter does say that the original amount is $176.36 with no interest or fees. This seems a bit high but I do not remember the correct amount. I forgot all about it. I did not receive collection letters and it never reported to the bureaus. I would think that the information contained in the letter covers everything which a validation letter would generate. So what plan of action do I take? What letter do I send? I opted out 3 years ago but have since obtained more CCs. Perhaps that left me vulnerable to data miners. I have opted out again. Your help is appreciated. Jaybird
  22. Hello, This is my 1st post, I'm really glad i found this place. I've been reading here for hours and while I'm 100% better off than i was I'm also a bit overwhelmed with all of the information. I thought a post requesting specific advise on my issue would help lead me out of the fog. I am in the process of preparing to apply for a mortgage. On my credit report there is a collection for a utility bill in the amount of $9700. I honestly have no idea how my name was associated with this account other than the fact that i did have the utility in my name after this date for a short time and for 2 years before in 2008-2010 at this address. The address listed is my old house but from a time frame that my father lived there. To clarify i lived there from 2008-2010. I called the DC and they gave me information over the phone stating the address and the delinquency date of the bill (April of 2013). My father passed away in March 2013 so the dates make sense that his electric bill had not been paid in some time. I transferred the utilities for this home into my name at some point in April 2013 until the home was sold in late 2013. I know for certain and have evidence that this bill was paid after it came into my name. It seems that they are trying to pin the prior amount owed before it was in my name onto me. Long story short it isn't my debt but its on my credit report wrecking it. My payments are actually listed on my current utility account with the same provider because i had a current account with them at my current home at the time and when i had my fathers home added they just added it to my current account. This debt is past the statue of limitations to be collected but apparently not too old to be on my report until 2020. I talked to the DC again today on the phone (I know now and wont do this again) and requested they they send me validation which they said would be an itemized copy of the bill. I also offered to settle the debt at 10% to have it removed from my credit report because time is a factor for me on getting approved for this mortgage. I was careful to be clear that i was not acknowledging this debt was mine but it was worth $900 to me to save me the aggravation. They flat out declined and came back at $7k. I said i looked forward to their validation. I have not disputed this with the CB only verbally with the CA. What is my next step? Do i just go right to the flow chart pinned in this forum and get the paper trail started Monday morning with a written verification request? Have i shot myself in the foot in any manner thus far? My fathers estate is closed, but i was the executor/administrator. I do not think this legally ties the debt to me although i could be wrong. The lawyer did send out notice to all of his creditors and it's almost like someone at the utility company just put my name on his account. The DC is telling me my fathers name is no-where on the account in question, not even as a 2nd name. Any advise would be greatly appreciated.
  23. The first dunning letter is for an alleged old medical bill for $900 Collection Agency is Dynamic Recovery Solutions. They give me three payment options but down on the bottom it says they cannot sue me for this debt nor report it to my credit reports. How should i handle this one? Just ignore them? The second one is not a medical collection but from the same CA. It's for an old cell phone bill for 200. Again down at the bottom it says they cannot sue me for this debt but they can report it to my reports. I have a feeling this comes from filling a complaint with the BBB against Jefferson Capital Systems last week. I filed on the 16th and these letters are dated for the 15th. Coincidence? Just an fyi the phone bill lists JCS as the "current creditor". May i also add that after complaning to the BBB then disputing JCS to the bureaus they did remove JCS from all 3CRA's. How should i proceed? Thoughts
  24. Hi, I’m new here and could use some help. Sorry in advance for the extra long post. In 2014 I was in an auto accident and ended up with five herniated discs in my neck. This led to migraines that landed me in the ER six times that year. I had medical insurance with a maximum out of pocket of $500 for the year. All six ER visits were to the same ER facility. Somehow they messed up the billing on three of the visits. I received bills from the hospital for the visits and the amounts not only exceeded my copay, but they exceeded my out of pocket maximum. The hospital was an in-network facility. The EOBs that I received from the insurance company said that the provider had not properly billed for the services performed. I called the hospital’s billing department. I was told that they were refilling the insurance and if there was an issue that I’d receive information in the mail. They sent me nothing. As it turns out, I ended up in collections for all three visits. I had a total of six collection accounts - three for the hospital and three for the doctors association. I was livid when I found out (I was trying to finance a new car and the dealership showed my the collection accounts). So I called the hospital billing department and sternly voiced my displeasure. I even threatened legal action. They said they’d look into it and get it handled. The hospital actually followed through and removed their three collections from all three of my credit reports. Unfortunately, the doctor’s association billing department wasn’t as easy to deal with. They contend that I owe them close to $2000. I explained the limits of my insurance policy and that the EOBs I had received showed that they had not properly billed the insurance. Their response was basically “too bad.” They said that I could pay them the full amount that they claim is due and that they’d report the collection as paid. I told them that this is ridiculous and that I want it removed. Once again, too bad. So I called the collection agency and explained the situation. I was told that it’s between me and the original creditor. A couple months ago the collections were completely removed from my Equifax report. I’m not sure why, but fine by me. But the collections were still listed on TransUnion and Experian. I initiated disputes with those credit bureaus. My disputes were all denied. But for some odd reason one of the collections now shows as closed (still with a balance) on TransUnion. At at this point, even if the doctor’s association were to try and resubmit the claims (which they’ve said they won’t do) they can’t. The insurance company I had in 2014 no longer operates in Florida. There isn’t even a phone number to contact them. I need to apply for auto financing again soon, and I need this cleared up first. I have no other collection accounts and no delinquencies or late payments. The three remaining collection accounts are the only negative information on my credit reports. So, what are my options? How do I get these collections removed/deleted? Thanks in advance, Daniel
  25. I have a TL on my TU and Exp reports (still waiting on Equifax) from Wakefield & Associates. Under "Loan Types" they are listed as "Collection Agency/Attorney. I have went to their website and read each of their "exec team's bios." No where do I see any mention of any of them being an attorney. I have disputed this with TU & Exp in writing, by certified mail and not on-line, which both received on Thursday, 12/06/18, because I honestly do not who the OC is. I guess my question is, when the disputes come back as verified, as I'm guessing they will, what are my options considering all the other info indicates it is still within the SOL. I am assuming I will begin to get letters or phone calls from them. But.... and this is the interesting part What is really interesting is the TL also says "Acct Info Disputed by Consumer; <Placed for Collections> I have not disputed anything on my credit reports since some time in 2014 (?). "Placed for collections: 04/29/18" Date Item to be Removed: 04/2024 (which indicates an original date of sometime in 2017) ????? (Confused? I am) And the balance seems to be increasing over time a few dollars per month. Original Creditor: Medical Any help/advice/opinions will be greatly appreciated (I may not be able to get back here immediately to respond to anyone but will return soon). Thanks in advance. You don't really have to waste your time reading their bios but I am pasting them below anyway. (No law degrees) page address: https://www.wakeassoc.com/management/ Matt Laws Pres & CEO: Mr. Laws has an undergraduate degree in computer science and an MBA from the University of Dallas. COO: Mr. Boettcher is active in the legislative arena locally and nationally with ACA International and Associated Collection Agencies, Inc. Mr. Boettcher also has extensive experience in the acquisition and management of defaulted consumer debt portfolios. CFO: He holds a B.S. Degree in Business from the University of Tennessee and has over 30 years of diversified business experience in both public practice and industry, including 21 years with RRC Wakefield. Chief Relationship Officer: He holds a B.S. Degree in Finance from the University of Tennessee, is a member of the International Fellowship of Certified Collection Executives, Healthcare Financial Management Association, University Sertoma Club, and is a member of ACA’s Future Leaders. Prior to the RRC Wakefield merger, Gregg served in the dual role of President and Chairman of the Board of Directors of RRC. Chief Business Development Officer: Tyler is an acknowledged expert in several areas of medical collections including ambulance, surgical centers, hospitals, and radiology. Mr. Marsh has assumed the responsibility of growing and managing the relationships with our clients, with great success. Chief Compliance Officer: (blah blah blah... Debra holds an MA in Organizational Management from the University of Phoenix and a BA in English and Secondary Education from Iowa State University. Debra is also a Professional Collection Specialist(ACA), a Trainer Specialist, and holds ACA’s Scholar and Fellow Degrees in Collection Business Management. In 2009, Debra earned ACA International’s Credit and Collection Compliance Officer Designation. Director of IT: Kevan holds degrees undergraduate degrees in mathematics and history. Again, NO ATTORNEYS!!

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