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Old Medical Collections back on report - in process of firstime home buy

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I am in the underwriting process of applying for a mortgage.

Today,I received a notice from my credit union credit monitoring system that two new accounts were added to my credit file.

I subscribe to transunion credit monitoring and they didn't have it showing in it's entirety yet, but something was there.

They are two medical collections accounts.

I went back and looked at old credit reports and found that these accounts had been on my credit report back in 2014 but for some reason they were gone.

Now as I try to become a first time homebuyer here come these walking dead accounts.

Please advise what i can possibly do?

I am crying because i have spent money on appraisal, home inspection, earnest money and I really want this house.

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Pay them and be done, if you're this far into the mortgage process you really have no other options.

Not so fast. I'm moving this to the medical forum where WhyChat can help you..

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Follow the guides:



Because you hadn't opted out before applying for a mortgage your reports are being poisoned by JDBs ( junk debt buyers)




You don't have time to delete addresses before your closing and properly dispute this FRAUDULENT account. DO NOT pay it as it will cement it to your reports as a "paid" collection. Send any CRA where it is actually reporting this:



Send the reporting CA this:



Keep copies of everything and provide these letters to your mortgage lender and explain that these are "zombie" debts which you are properly disputing.

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Thank yall for the help. I am going to go and use WHYChat's procedure.


I forwarded the changes to mortgage company and they said oh.

This morning I received conditions doc from them and sent more documentation.

My app is headed for underwriting once the appraisal is received.

So scared.


You know, people on this board are always trying to help each other out.

I wish that people would treat other the same out in the actual world.


God Bless!

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