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Found 6 results

  1. Hi, I'm about to apply for a mortgage so I will have 2 mortage companies do a hard pull for my credit, from what I read hard pulls within one week are not that bad, so I was thinking I can also apply for higher credit limits with the credit cards that require a hard pull, apply for better home insurance rates (which I think do a hard pull also), etc during this period, is this a good idea? How many points should I expect to lose on my score? Thanks!
  2. Hello Everyone, I was recently approved for Disability after a 7 year wait, and my MediCare benefits are retroactive about 5 years. I have several medical collections accounts. Thankfully some had fallen off, and others I was able to dispute, but there are still some left. I was thinking if I call them up and have them bill MediCare, it would remove them from my credit report, but have been unsure, so I came on here to do some research. I'm not sure, but from what I can gather, if I do this I could end up with paid collections on my Credit Report? So instead I should do the HIPAA Lette
  3. I see this come up a lot with medical collections, and other states may have a similar statue in place. This is probably already posted somewhere on CB, but I just ran across a Texas law that indicates a patient cannot be billed if the provider fails to file a claim with their insurance provider in accordance with said law. (See last subsection, § 146.003. Certain Claims Barred) Tex. Civ. Prac. & Rem. Code § 146.001 (2000) § 146.001. Definitions In this chapter: (1) "Health benefit plan" means a plan or arrangement under which medical or surgical expenses are paid for or
  4. It never ends. Just two days ago I learned that I had gotten some really bad derogs off my report and then today I get a call from an attorney about a medical bill from 2011. Honestly, it was such a bad couple of years for me medically that that I got a ton of complicated and confusing bills but it seemed my insurance took care of it all. I have very good insurance, fortunately, and figured anything that the insurance didn’t pay the hospital would notify me of at some point. Instead of hearing from them, I’m getting calls from an aggressive attorney. Can you guys advise me on how to proceed?
  5. I just received a call from Financial Asset Management systems saying that I was involved in a hit and run a year and a half ago and I now owe State Farm $2,600. I need help in figuring out if this is a scam or not. Here are some facts: *According to them, I opened my door and dinged an emergency vehicle, then drove away. I have no recollection of this incident whatsoever, and unless someone in my family took my car without my knowledge, I'm 99.99% sure this did not happen. *The vehicle owner filed a claim with their insurance (State Farm) and State Farm took care of the damages. Again, I
  6. So, I'm opted out of Lexis Nexis. Should I have also been automatically opted out of CLUE? What would be the best way to dispute these suckers? They do have to be in compliance with the FACT ACT. Is there a type of dispute letter that anyone would recommend that may work fairly good with CLUE? https://personalreports.lexisnexis.com/fact_act_claims_bundle/landing.jsp
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