My Journey- Any advice appreciated!!

[Emtmedic44]

I'm almost 35 years old and I have terrible credit. Mainly because I never really cared. If I went to the Dr. and received a letter from CA I just threw it in the trash. If I moved out of a rental property and had outstanding balances I just ignored the phone calls and letters demanding payment. My philosophy was "you can't take something I don't have". And I didn't have it, anything that is. I have worked everyday to support my kids and have graduated from college-twice! So what changed? Just recently my son reminded me that when he was a little boy and I had to leave him with family members quite frequently. I promised him then that one day it would all be worth it because we would be living in a nice house in a nice neighborhood with a pool in the backyard. I was speechless. Looking back on it now I have worked myself into a state of exhaustion but have nothing to really show for it. So, my plan for the future-to buy the house that I promised for my son. Cause Lord knows we deserve it. So lets get to the knitty gritty:

 

Credit Unions:

Ouachita Valley CU-Plan on using for credit building signature loan

SDFCU- Will apply for Secure Card when I receive account information in mail

 

Revolving:

Credit Cards

Cap 1- Secured/ $300 Limit- Haven't received card yet

OpenSky- Secured/ $300 Limit- Haven't received card yet

Credit One: Unsecured/ Authorized User-Reporting as Individual Account/Balance-$331/Charge Off

Disputed and verified/ Sent-Not Mine/Delete me as AU Letter (Certified RR) to Credit One

 

Installment Loans:

Capital One Auto Finance- Opened:07/2013 Balance: 21,810 (No Lates)

Edfinancial Student Loan- Opened: 09/10/2008 Balance: 1419.00 (No Lates)

Edfinancial Student Loan- Opened: 09/10/2008 Balance: 5629.00 (No Lates)

Edfinancial Student Loan- Opened: 09/12/2007 Balance: 2877.00 (No Lates)

Edfinancial Student Loan- Opened: 09/12/2007 Balance: 2238.00 (No Lates)

Sallie Mae SL- Opened: 11/05/2004 Balance: 12380.00 (Lates= 90x3/ 120x2/ 180x1) No Lates in past 3 years

(Sending GW Letter to Sallie Mae for Lates)

World Finance- Opened:06/09/2011 Balance:375.00 **Charge Off**

(Sending PTD letter to World Finance) Fingers Crossed!!

 

Collections:

 

Medical: WhyChat Method Underway 01/15/2014

1. Opted out

2. Addresses Deleted

3. Sending out Prehipaa Letter to CRA's without other active disputes-01/28/14

 

 

Account Name ACTION REVENUE RECOVER Balance $195.00 Date Opened 10/1/2011

 

Account Name ACTION REVENUE RECOVER Balance $69.00 Date Opened 6/1/2011

 

Account Name ACTION REVENUE RECOVER Balance $56.00 Date Opened 6/1/2011

 

Account Name ACTION REVENUE RECOVER Balance $129.00 Date Opened 6/1/2011

 

Account Name CR BUR OF GR SHREVEPOR Balance $260.00 Date Opened 1/1/2008 Account Status Closed Close Account Details Past Due $260.00

 

Account Name CR BUREAU OF THE SOUTH Balance $3,675.00 Date Opened 2/1/2012

 

Account Name NCO FIN/38 Balance $124.00 Date Opened 5/1/2011

 

Account Name PROFESSIONAL COLLECTIO Balance $50.00 Date Opened 6/1/2012

 

Account Name PROFESSIONAL COLLECTIO Balance $256.00 Date Opened 12/1/2009

 

Account Name REVENUE RECOVERY CORP Balance $417.00 Date Opened 6/1/2012

 

Account Name CR BUR OF GR SHREVEPOR Balance Charge Off Date Opened 12/1/2008 Account Status Closed

 

Account Name CR BUR OF GR SHREVEPOR Balance Charge Off Date Opened 3/1/2008

 

Non-Medical Collections:

DV letter sent to CBS.

CB of the South is tied to Judgement

 

Account Name CREDIT BUREAU SERVICES Balance $1,184.00 Date Opened 10/1/2013

 

 

Account Name CR BUREAU OF THE SOUTH Balance $1,210.00 Date Opened 8/1/2012

 

 

Judgements:

Attorney attempting to negotiate to vacate judgement with Plantiff's attorney/ multiple errors in judgement that were not contested because I wasn't served/default judgement granted in my absence

 

 

Date Filed 5/16/2013 Plaintiff N/A Liability $1,210.00

 

MyFico Scores:

 

Experian: 596

Equifax: 564

Transunion: 600

 

Debt Utilization: < 10%

 

Can't wait to be in the 700 Club!!

 

Any help is appreciated!!

Edited January 28, 2014 by Emtmedic44

[Emtmedic44]

Today I received a medical bill in the mail from a ER visit in Dec-2013. Instead of throwing it away, I called them up and made payment arrangements. Thinking I may do autopay with one of my new secured cards and sock drawer it. That way I'll be sure to keep my utilization low. Honestly it felt good to be responsible. Baby steps..

[ding]

While your working on the medical do not do other disputes. Follow Whychats instructions precisely.

[Emtmedic44]

Yes, sorry I worded that badly. Should have read- waiting on previously disputed items to age off so that I can start WhyChat method. Wish I would have known about WhyChat before I disputed some stupid lates on my SL. But I guess I found CB eventually and that's all that matters..Thank you for the advice!!

[Emtmedic44]

I'm still waiting on my 60 days to send the preHipaa letters. But, i had already DV'd two of my medical CA's prior the WhyChat method.

 

1.) CA #1- Sent me a letter that was faxed from the Clinic that has all the dates listed, the doctor's we saw, and the amounts of each visit. The only problem-the fax was from 2011!! Whoops! Not a current relationship with OC. Will follow-up after I send pre-hippa letter.

 

2a) CA #2-Sent me a 3 page bill summary (faxed recently) so they are in current relationship. But, the bill had multiple charges listed, then next to each charge they subtracted amount of insurance receipt, then in the next column they substracted patient paid amounts (copays), and then the next column subtracted an "adjustment" which equaled what what was left over on every charge. Leaving me with a zero balance! I'm not sure how they arrived at the amount of 455.78. So I thought maybe the adjustment column was a write off, but if you add up all the adjustments its well over 1000.00 nowhere near the 455$ balance they are reporting. Will be getting an EOB for these charges. Have a feeling they are deductibles. So as of right now, I still don't have verification of the amount I owe even though they are obviously in a current relationship.

 

2b.) CA#2- Sent a printout from their system showing an itemized bill from a hospitalization. Last Payment-04/30/08. Can't tell if this is current relationship or not so I will be getting my EOB while I wait out non-medical disputes with CRA's. Last Payment-04/30/08. Way out of SOL.

 

 

3a.)Had CA's reporting an ER physician bill from a ER visit while out of state. Insurance didn't pay, they were waiting on verification from me, so they were turned over to CA. I have since verified with insurance and they are paying and sending me an EOB with my responsible portion. That way I will have it when the time comes to pay the OC. Will pay with WhyChat method when ready.

 

Received my SDFCU account info today. Will be applying for their secured card after I get my tax refund.

 

All but one of my non-medical disputes has completed. So it won't be much longer till I can start the WhyChat method.

[bkchild78]

I am so excited to read your thread. I am working on one too. I think you are on the right track. With the DV that verified, I had a collection send me my last bill. Well that isnt verification. I wrote to them again attaching the initial letter in which I ask for their sureity bond, contract with my signature, hisotorical data to include payment history, etc. In the second letter I advised them that this was not verification that this debt belonged to me and would not be acceptable proof of validation and at that point their time was up and they needed to remove the tradeline. They did just that.

 

You're doing really good, just don't give up! I can't wait to watch your scores move. Now are you going to continue to app or just clean then app? I know some people do both as they go along. I am cleaning a bureau at a time and perhaps thinking about apping with those that only pull that bureau. I know doing it all at once is good, but I have a brain injury so when I initially tried that, I got really lost and couldn't remember what I sent who.

 

Anyway, good luck and if I see something I can add some input on, I most certainly will!

 

PS. I turned 35 last year & my Mom is 56 & I just cleaned her up so don't feel bad. It happens to the best of us!

Edited February 7, 2014 by Gianichole

[Emtmedic44]

I have spent approximately 4 hours on the phone this week with BCBS of TN and TX and have finally had good results. I had a CT scan done in 2010. The clinic preauthorized with the secondary insurance instead of primary. So, my primary insurance denied payment. I recieved a bill for 2000$ from the OC. Come to find out today, 4 years later, both insurance policies paid a small amount and the provider was in network. Both insurances agree, and have sent me EOMB's that prove my out of pocket should be $1000-deductible. I'm thankful for this site because I never would have thought to question the OC's bill!! What was a $4000 total bill from this clinic is slowing dropping. Waiting on them to file 2 claims that total $1100 that they never even filed. They state they didn't have my current insurance. This is ridiulous, because they were filing claims on my new insurance for my son, and we share an account with them.

 

I can't wait to send them the Hippa letter with all the different inserts (insert a/with payment-see EOMB as to why it's not as much as you wanted, with insert b- oh you wanted to get paid but couldn't use any small amount of intelligence to file with my current insurance- well screw you and your untimely filing!!) Oh I wish I could hand deliver it and see the look on their faces. Praying for a positive outcome!!

 

Spoke with my attorney that is handling my reported judgement. He called the CA's attorney a week ago and left a message but hasn't received a return call. I told him that I would like to give them one more week to call back and if no contact is made in that week we agreed to file the papers and go to court. I explained that I have multiple documented violations with this CA and will be suing them once the judgement is removed. He was very excited. My only concern is that he admittedly doesn't have much experience with consumer law, but there is noone in my area that does. He laughed when I told him I would get him up to speed.. We'll take it one day at a time!

 

As this journey gets more stressful I spend a few minutes online looking at houses for sale in our area. This gives me the strength to keep pushing forward. I know one day we will move into our forever home!!

Edited February 8, 2014 by Emtmedic44

[Emtmedic44]

I am so excited to read your thread. I am working on one too. I think you are on the right track. With the DV that verified, I had a collection send me my last bill. Well that isnt verification. I wrote to them again attaching the initial letter in which I ask for their sureity bond, contract with my signature, hisotorical data to include payment history, etc. In the second letter I advised them that this was not verification that this debt belonged to me and would not be acceptable proof of validation and at that point their time was up and they needed to remove the tradeline. They did just that.

 

You're doing really good, just don't give up! I can't wait to watch your scores move. Now are you going to continue to app or just clean then app? I know some people do both as they go along. I am cleaning a bureau at a time and perhaps thinking about apping with those that only pull that bureau. I know doing it all at once is good, but I have a brain injury so when I initially tried that, I got really lost and couldn't remember what I sent who.

 

Anyway, good luck and if I see something I can add some input on, I most certainly will!

 

PS. I turned 35 last year & my Mom is 56 & I just cleaned her up so don't feel bad. It happens to the best of us!

 

Thank you so much for the kind words! I spend approximately 3 hours/day educating myself, making phone calls and devising plans to make this mess go away. It will one day be worth it all.

 

I have decided not to do anymore apping right now. We are trying to clean up to buy a house next year. I have read about b* and if I don't have any more inquiries between now and then I shouldn't have to utilize the b* tool. I think I'm just going to use my secured cards to establish some revolving accounts and maintain a utilization of 1%-9% on each card.

 

And I'm learning that CA's are scum. They will do whatever they can to get you to send them as much of your hard earned money as possible. I will never give a CA's a penny of my money!! I'd rather just let it fall off on its on. Thank goodness most of mine are medical so I can use the Hipaa method. The one that isn't I'm almost positive I can the OC to pull it back.

 

Good luck to you on your journey and thanks for following!!

[Emtmedic44]

Credit One IS GONE FROM ALL 3 CREDIT REPORTS!! YAY!!

[Emtmedic44]

Because of CB, but mostly WhyChat I have trimmed alot of fat. Had a medical bill that was $3695. Never even thought about comparing my EOMBs. Well now a $3695 bill is only $1000. And I will be gladly writing that cashiers check to the OC when the time comes. I politely asked the OC to pull the account back from the CA, but Noooo. I explained this is out of SOL and seeing as how they screwed this all up they should pull it back from the CA. They told me they will accept payment and update with CA. So then I spent 15 minutes educating the lady at the Dr's office on how that would negatively affect my credit. They want to be difficult. We'll see, oh yes..we shall see. Lmao..loving this place!!

 

Sent from my SCH-I535 using Tapatalk

[Emtmedic44]

Well, my first secured card was reported to the CRA's this week. 31 point jump in my Transunion score!! It's FAKO, but still makes me smile. Same card reported to Equifax, didn't even move my score. Fako's are so funny. Increased my CLI on my CapOne secured from $300 to $500 this week. Putting money in my SDFCU savings account every week and will be applying for a SDFCU secured card tomorrow. Keeping my util's low is fun, not. Just keep reminding myself why I got the cards in the first place. The medical disputes I sent out were received last week and I'm now waiting on my responses from the CRA's. Just about got all the EOMB's in and have made sure I'm only paying what I should be paying. One of the medical bills is for my daughter's hospitalization during my marriage. I have given copies of everything to the ex-husband so that he can pay his half of the bill. He's not happy, but I told him I would be more than happy to give the CA his information so they could report the derog on his credit report as well. He's credit stupid, so I had to explain that just paying the bill won't get it to go away, so he'll be stuck with it for 7 years. He's gonna pay, lol. Now just waiting, waiting and waiting. It's true that if you gain nothing else from this process you will surely gain the virtue of patience.

 

On a side note, I am now helping my husband and a co-worker with their credit. Husband has several derog's most are IIB. But were close to falling off. Sent off an obsolete letter and was successful in 8 deletes with Transunion. Still waiting on the other 2 CRA's response letters. My co-worker is going to be the easiest. Two paid medical, both less than 200$ and only reporting to EQ and TU. Opted out, deleted addresses, got 3 hard copies and sent off the WhyChat predisputes and we are waiting on the responses. Helping them is making my waiting game easier. I couldn't do it if I wasn't so meticulous in keeping everything VERY organized.

 

I continue to read hours and hours of information from CB every week. I know we will have our dream home soon enough. I'm so excited..

Edited March 9, 2014 by Emtmedic44

[futurehomeowner?]

Good luck. A year ago I was doing the same. Now I get to come here to try and help and learn how to increase a good score and get better cards instead of fighting with JDBs. It is all worth the time so keep at it.

[JayB27]

This is great to read, and I am in the same boat as well. I mostly read on here, for HOURS at a time. It's overwhelming and gives me a headache because I'm not used to looking at a laptop screen for such long periods.

But I know its worth it. And just like OP, throwing medical bills in the trash, sounds all too familiar. Even though I have several baddies, mostly medical, I just pulled two of my FICO's tonight and they aren't as bad as I thought they would be. TU-616 , EQ-590. Not good, but if I can get rid of the bad, I think I'm on track.

 

I'm just now doing the initial steps, but I'm hooked on getting this fixed. It's highly addicting. I really wish I would've cared about credit health sooner, but I didn't. Cant live in the past. Goal is 650 for now.

 

Good luck !

[Emtmedic44]

Updates:

 

CU's:

La Capital-SAVINGS

SDFCU-SAVINGS

Ouachita Valley-SAVINGS

 

Revolving:

 

Credit Cards

Cap 1- Secured/ $300 $12/$500 (INCREASED LIMIT AND LETTING BALANCE REPORT)

OpenSky- Secured/ 0/$300

SDFCU- Secured $0/$500

Credit One: Unsecured/ Authorized User-Reporting as Individual Account/Balance-$331/Charge Off (Deleted)

 

Installment Loans:

Capital One Auto Finance- Opened:07/2013 Balance: 21,810 (No Lates)

Edfinancial Student Loan- Opened: 09/10/2008 Balance: 1419.00 (No Lates)

Edfinancial Student Loan- Opened: 09/10/2008 Balance: 5629.00 (No Lates)

Edfinancial Student Loan- Opened: 09/12/2007 Balance: 2877.00 (No Lates)

Edfinancial Student Loan- Opened: 09/12/2007 Balance: 2238.00 (No Lates)

Sallie Mae SL- Opened: 11/05/2004 Balance: 12380.00 (Lates= 90x3/ 120x2/ 180x1) No Lates in past 3 years

(Sending GW Letter to Sallie Mae for Lates)

World Finance- Opened:06/09/2011 Balance:375.00 **Charge Off**

(Sending PTD letter to World Finance) Fingers Crossed!!-REFUSED PFD/WILL USE 623 METHOD WHEN DONE WITH MEDICALS

 

Collections:

 

Medical: WhyChat Method Underway 01/15/2014

1. Opted out

2. Addresses Deleted

3. Sending out Prehipaa Letter to CRA's without other active disputes-01/28/14

 

 

Account Name ACTION REVENUE RECOVER Balance $195.00 Date Opened 10/1/2011 (DELETED)

 

Account Name ACTION REVENUE RECOVER Balance $69.00 Date Opened 6/1/2011 (DELETED)

 

Account Name ACTION REVENUE RECOVER Balance $56.00 Date Opened 6/1/2011 (DELETED)

 

Account Name ACTION REVENUE RECOVER Balance $129.00 Date Opened 6/1/2011 (DELETED)

 

Account Name CR BUR OF GR SHREVEPOR Balance $260.00 Date Opened 1/1/2008 Account Status Closed Close Account Details Past Due $260.00 (DELETED)

 

Account Name CR BUREAU OF THE SOUTH Balance $3,675.00 Date Opened 2/1/2012 (UPDATED)

 

Account Name NCO FIN/38 Balance $124.00 Date Opened 5/1/2011 (DELETED)

 

Account Name PROFESSIONAL COLLECTIO Balance $50.00 Date Opened 6/1/2012 (DELETED)

 

Account Name PROFESSIONAL COLLECTIO Balance $256.00 Date Opened 12/1/2009 (DELETED)

 

Account Name REVENUE RECOVERY CORP Balance $417.00 Date Opened 6/1/2012 (DELETED FROM EQ/TU-THEN INSERTED ON EX)

 

Account Name CR BUR OF GR SHREVEPOR Balance Charge Off Date Opened 12/1/2008 Account Status Closed (DELETED)

 

Account Name CR BUR OF GR SHREVEPOR Balance Charge Off Date Opened 3/1/2008 (DELETED)

 

Non-Medical Collections:

DV letter sent to CB OF THE SOUTH.

CB of the South is tied to Judgement

 

Account Name CREDIT BUREAU SERVICES Balance $1,184.00 Date Opened 10/1/2013

 

 

Account Name CR BUREAU OF THE SOUTH Balance $1,210.00 Date Opened 8/1/2012

 

 

Judgements:

Attorney attempting to negotiate to vacate judgement with Plantiff's attorney/ multiple errors in judgement that were not contested because I wasn't served/default judgement granted in my absence-STILL WAITING ON ATTORNEY

 

 

Date Filed 5/16/2013 Plaintiff N/A Liability $1,210.00

 

MAKING SERIOUS PROGRESS THANKS TO WHYCHAT!!

Edited March 31, 2014 by Emtmedic44

[TheSorceressKnight]

MAKING SERIOUS PROGRESS THANKS TO WHYCHAT!!

I second that. Keep it up!

[Emtmedic44]

Time for another UPDATE!! I've been very very busy these past few months..

Updates:

 

CU's:

La Capital-SAVINGS

SDFCU-SAVINGS

Ouachita Valley-SAVINGS

 

Revolving:

 

Credit Cards

Walmart- Unsecured $0/$600 (MY FIRST UNSECURED CARD!!!) Now, no more cards until after mortgage is signed!!!

Cap 1- Secured $257/$500

OpenSky- Secured $56/$300

SDFCU- Secured $127/$500

 

Installment Loans:

Capital One Auto Finance- Opened:07/2013 Balance: 21,810 (No Lates)

Edfinancial Student Loan- Opened: 09/10/2008 Balance: 1419.00 (No Lates)

Edfinancial Student Loan- Opened: 09/10/2008 Balance: 5629.00 (No Lates)

Edfinancial Student Loan- Opened: 09/12/2007 Balance: 2877.00 (No Lates)

Edfinancial Student Loan- Opened: 09/12/2007 Balance: 2238.00 (No Lates)

Sallie Mae SL- Opened: 11/05/2004 Balance: 12380.00 (Lates= 90x3/ 120x2/ 180x1) No Lates in past 3 years

(Sending GW Letter to Sallie Mae for Lates)- NO RESPONSE-AS EXPECTED

World Finance- Opened:06/09/2011 Balance:375.00 **Charge Off**-(Sending PTD letter to World Finance) Fingers Crossed!!-REFUSED PFD/WILL USE 623 METHOD WHEN DONE WITH MEDICALS

 

Collections:

 

Medical: WhyChat Method Underway 01/15/2014

1. Opted out

2. Addresses Deleted

3. Sending out Prehipaa Letter to CRA's without other active disputes-01/28/14

4. Medical DV's sent to all remaining CA's.- No Response, from any of them.

5. Follow-up letters sent to EQ and EX for remaining TL's.

6. All were verified and EX refuses to reinvestigate.

7. CFPB dispute filed against EX.

 

 

Account Name ACTION REVENUE RECOVER Balance $195.00 Date Opened 10/1/2011 Deleted-EQ/TU Ex Updated

 

Account Name ACTION REVENUE RECOVER Balance $69.00 Date Opened 6/1/2011 Deleted-EQ/TU EX- Updated

 

Account Name ACTION REVENUE RECOVER Balance $56.00 Date Opened 6/1/2011 Deleted -EQ/TU EX- Updated

 

Account Name ACTION REVENUE RECOVER Balance $129.00 Date Opened 6/1/2011 Deleted-EQ/TU EX-updated

 

Account Name CR BUR OF GR SHREVEPOR Balance $260.00 Date Opened 1/1/2008 Account Status Closed Close Account Details Past Due $260.00 (DELETED EQ/TU EX-UPDATED)

 

Account Name CR BUREAU OF THE SOUTH Balance $3,675.00 $965.00 Date Opened 2/1/2012 (BALANCE UPDATED all 3)

 

Account Name NCO FIN/38 Balance $124.00 Date Opened 5/1/2011 (DELETED EQ/TU EX-UPDATED)

 

Account Name PROFESSIONAL COLLECTIO Balance $50.00 Date Opened 6/1/2012 (DELETED EQ/TU/ EX-UPDATED)

 

Account Name PROFESSIONAL COLLECTIO Balance $256.00 Date Opened 12/1/2009 (DELETED EQ/TU/EX-UPDATED)

 

Account Name REVENUE RECOVERY CORP Balance $417.00 Date Opened 6/1/2012 (Remains on EQ/TU-Deleted/INSERTED ON EX)

 

Account Name CR BUR OF GR SHREVEPOR Balance Charge Off Date Opened 12/1/2008 Account Status Closed (DELETED)

 

Account Name CR BUR OF GR SHREVEPOR Balance Charge Off Date Opened 3/1/2008 (DELETED)

 

Non-Medical Collections:

DV letter sent to CB OF THE SOUTH.

CB of the South is tied to Judgement

 

Account Name CREDIT BUREAU SERVICES Balance $1,184.00 Date Opened 10/1/2013

 

 

Account Name CR BUREAU OF THE SOUTH Balance $1,210.00 Date Opened 8/1/2012

 

 

Judgements:

Attorney attempting to negotiate to vacate judgement with Plantiff's attorney/ multiple errors in judgement that were not contested because I wasn't served/default judgement granted in my absence-Have now garnished $3400 from my paychecks on this $1210 judgement. My attorney has filed the petition to vacate this judgement. Have documentation that proves this was an accounting error on the OC's part.

 

Date Filed 5/16/2013 Plaintiff N/A Liability $1,210.00

 

MAKING SERIOUS PROGRESS THANKS TO WHYCHAT!!

[Emtmedic44]

 

Time for another UPDATE!! OMG I can't believe how far I've come!!!! CHANGES IN RED

Updates:

 

CU's:

La Capital-SAVINGS

SDFCU-SAVINGS

Ouachita Valley-SAVINGS

 

Revolving:

 

Credit Cards

Walmart- Unsecured $250/$600

Cap 1- Secured $257/$500

OpenSky- Secured $45/$300

SDFCU- Secured $0/$500

 

Installment Loans:

Capital One Auto Finance- Opened:07/2013 Balance: 21,810 (No Lates)

Edfinancial Student Loan- Opened: 09/10/2008 Balance: 1419.00 (No Lates)

Edfinancial Student Loan- Opened: 09/10/2008 Balance: 5629.00 (No Lates)

Edfinancial Student Loan- Opened: 09/12/2007 Balance: 2877.00 (No Lates)

Edfinancial Student Loan- Opened: 09/12/2007 Balance: 2238.00 (No Lates)

Sallie Mae SL- Opened: 11/05/2004 Balance: 12380.00 (Lates= 90x3/ 120x2/ 180x1) No Lates in past 3 years

(Sending GW Letter to Sallie Mae for Lates)-

World Finance- Opened:06/09/2011 Balance:375.00 **Charge Off**-(Sending PTD letter to World Finance) Fingers Crossed!!-

Collections:

 

Medical: WhyChat Method Underway 01/15/2014

1. Opted out

2. Addresses Deleted

3. Sending out Prehipaa Letter to CRA's without other active disputes-01/28/14

4. Medical DV's sent to all remaining CA's.- No Response, from any of them.

5. Follow-up letters sent to EQ and EX for remaining TL's.

6. All were verified and EX refuses to reinvestigate.

7. CFPB dispute filed against EX.

 

 

Account Name ACTION REVENUE RECOVER Balance $195.00 Date Opened 10/1/2011 Deleted-EQ/TU Ex Updated DELETED ALL 3

 

Account Name ACTION REVENUE RECOVER Balance $69.00 Date Opened 6/1/2011 Deleted-EQ/TU EX- Updated- DELETED ALL 3

 

Account Name ACTION REVENUE RECOVER Balance $56.00 Date Opened 6/1/2011 Deleted -EQ/TU EX- Updated DELETED ALL 3

 

Account Name ACTION REVENUE RECOVER Balance $129.00 Date Opened 6/1/2011 Deleted-EQ/TU EX-updated DELETED ALL 3

 

Account Name CR BUR OF GR SHREVEPOR Balance $260.00 Date Opened 1/1/2008 Account Status Closed Close Account Details Past Due $260.00 (DELETED EQ/TU EX-UPDATED)

 

Account Name CR BUREAU OF THE SOUTH Balance $3,675.00 $965.00 Date Opened 2/1/2012 (BALANCE UPDATED all 3)

 

Account Name NCO FIN/38 Balance $124.00 Date Opened 5/1/2011 (DELETED EQ/TU EX-UPDATED) DELETED ALL 3

 

Account Name PROFESSIONAL COLLECTIO Balance $50.00 Date Opened 6/1/2012 (DELETED EQ/TU/ EX-UPDATED) DELETED ALL 3

 

Account Name PROFESSIONAL COLLECTIO Balance $256.00 Date Opened 12/1/2009 (DELETED EQ/TU/EX-UPDATED)

 

Account Name REVENUE RECOVERY CORP Balance $417.00 Date Opened 6/1/2012 (Remains on EQ/TU-Deleted/INSERTED ON EX)

 

Account Name CR BUR OF GR SHREVEPOR Balance Charge Off Date Opened 12/1/2008 Account Status Closed (DELETED)

 

Account Name CR BUR OF GR SHREVEPOR Balance Charge Off Date Opened 3/1/2008 (DELETED)

 

Non-Medical Collections:

DV letter sent to CB OF THE SOUTH.

CB of the South is tied to Judgement

 

Account Name CREDIT BUREAU SERVICES Balance $1,184.00 Date Opened 10/1/2013 DELETED!!! WAHOO

 

 

Account Name CR BUREAU OF THE SOUTH Balance $1,210.00 Date Opened 8/1/2012 DELETED!! WAHOO

 

 

Judgements:

 

 

Date Filed 5/16/2013 Plaintiff N/A Liability $1,210.00 DELETED ALL 3!!!

 

MYFICO SCORES

 

JANUARY 28, 2014 SCORES:

Experian: 596

Equifax: 564

Transunion: 600

 

TODAY'S MYFICO SCORES:

 

EX-668

EQ-665

TU- DIDN'T BUY, IS MY HIGHES SCORE..

 

THANK YOU CB'S!!

 

[mendelssohn]

Great progress!

 

Make sure you aren't carrying balances on your cards. PIF is a great habit to learn when rebuilding.

 

If those are Federal Student loans (Sallie Mae), you're going to have to let the lates age off. They legally can not remove them.

[chugs102]

Congrats on your success!

 

What happened with the garnishment? Were you able to claw any of it back?

[Emtmedic44]

Great progress!

 

Make sure you aren't carrying balances on your cards. PIF is a great habit to learn when rebuilding.

 

If those are Federal Student loans (Sallie Mae), you're going to have to let the lates age off. They legally can not remove them.

 

 

Thank you!! No, I have never carried a balance in the 6 months I've had the cards. Made myself a promise that I never would and so far I've done good. And for the student loan lates.. I tried to goodwill, but never got any response.

[Emtmedic44]

Congrats on your success!

 

What happened with the garnishment? Were you able to claw any of it back?

 

 

My attorney came to an agreement with their attorney that if we withdrew our petition they would sign an anullment agreement. My attorney didn't think that we would win up against a process server, that of course would say he served me. Decided to settle and let them keep the money. I wanted a mortgage more that I wanted to fight them. In the end I got the deletion so it was worth it, I guess...

[Emtmedic44]

Account Name CREDIT BUREAU SERVICES Balance $1,184.00 Date Opened 10/1/2013 DELETED!!! WAHOO

 

This account was marked off as deleted above in error. It is still reporting to Ex. This debt is for a daycare that charged me 2 months of services after my child quit going there.

 

I have:

 

1. DV'd the CA. (Never received any initial response letters from OC and CA. The DV letter I sent them stated as much.)They responded with a handwritten ledger that was recently faxed from the OC. The ledger clearly shows that my child stopped attending at the end of May 2010. But they continued to charge me for two more months and even includes late fees.

 

2. I DV'd the CA again within 30 days requesting a contract with my signature on it.- They responded with a signed agreement from 2007 but nowhere does it say anything about be charged if children drop without notice. In fact, it states that payment must be received in advance or services will be denied. It also says nothing about late fees.

 

3. So today, I have DV'd the CA again, within 30 days of the last correspondence, stating that I dispute the charges occuring after June 1, 2010 and request validation of those amounts. Curious to see how they will respond to my dispute of the specific lines from the ledger that they provided en light of the recent court ruling Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, — F. 3d — Cir. 2014), 2014 WL 3440174 (6th Cir. Mich. 2014), 2014 U.S. App. LEXIS 13498

 

I am hoping they will use some common sense and read the actual agreement they sent me and put two and two together!!

 

Anybody have any suggestions?

[chugs102]

file a BBB complaint.

 

you can always file a small claims suit.

[Emtmedic44]

I know..just makes me nervous. And I'm confused as to where I will file, in the town where the daycare is or 3 hours away where the CA's office is? And what do I ask for in my filings? Just for a deletion, or for damages and fees? And how much do I ask for? See where I am going with this? I am absolutely willing to put the time and effort into this, just don't know the answer to the specific questions I have.

 

Will most definitely make the complaint to the BBB though. Thanks for your response!

[chugs102]

You have to check the local regulations.

 

Since this is a contractual dispute, you usually can file based on 1) where the contrat is signed 2) where it's broken 3) where it's supposed to be executed 4) where the defendant resided or worked when signing the contract

 

If you're gonna do this, ask for deletion and damages. Be prepared to demonstrate the damages (how much it costs to repair your credit, how much time you spent on it, your hourly rates). There are monetary caps.