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JOOJ

Two medical accounts, One CA ... and my attempts at cra removal

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These accounts are dated 2014.

 

I opted out.

 

I removed old addresses. Many of them have come back from the dead already. I'm not really sure how. NONE of my TLs are active or updating and the address for these medical collections isn't on my CRs at all.

 

I sent CRA dispute letter to TU and EQ. TU deleted. EQ verified. It wasn't on EX.

 

At this point I made an error in following instructions due to not understanding exactly what kind of documentation was required and from who as to the establishment of a "current relationship" between the CA and the OC. Via cmrrr, I sent cashiers checks to both OCs payment in full, for deposit only, along with the payment letter. Both balances were small.

 

I went to the bank and requested a copy of the deposited checks.

 

I have a copy of the check deposited to the account of OC 1.

 

Although the bank originally told be OC 2 deposited and I could get a copy in two days, I later found out this wasn't the case. My green card came back over a month ago and OC 2 has neither deposited the check nor responded in any way.

 

I sent the CA the DV letter priority, but have not received a reply, though not that much time has passed since.

 

This is where I am at now. While I am waiting for a response (or nonresponse) from CA, what do I do about OC 2, if anything?

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Update: According to my weekly CK update, the CA marked both accounts as paid.

Edited by JOOJ

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I just got an actual report from EQ. It is in fact reporting as a paid collection.

Edited by JOOJ

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After they received my letter one of the entries disappeared, but the other - the one where the oc deposited the check - remains, although it has been edited. Where it previously showed the name of the ca as "stupid ca", it now says "stupid ca cancelled". Now what?

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After they received my letter The CRAs?? The follow up dispute??one of the entries disappeared, but the other - the one where the oc deposited the check - remains, although it has been edited. Where it previously showed the name of the ca as "stupid ca", it now says "stupid ca cancelled". Now what?

What is showing now on how many reports??

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These changes occurred after the CA received the most recent DV. I now have one paid collection on Equifax only. I have not yet received a reply from the Equifax follow up dispute.

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"These changes" are account #1 was deleted and the CA listed for account #2 changed from "Stupid CA" to "Stupid CA Cancelled".

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"These changes" are account #1 was deleted and the CA listed for account #2 changed from "Stupid CA" to "Stupid CA Cancelled".

Did you send the follow up dispute to the CRA (s)??

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I'm sorry it took me so long to reply. This month was pretty rough. Yes, I sent the follow up dispute to the CRA. While they haven't responded, I pulled my reports on CK and the account is no longer listed. As of today my reports are clean. Thanks Why Chat and Thanks CB. At least one good thing came of this awful month. Now I have to go get some credit cards before my reports are completely empty. I'm not sure why someone with a bunch of unused credit cards sitting in a drawer is considered to be a lower insurance and credit risk than that same person with an empty drawer, but it is what it is.

Edited by JOOJ

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I'm sorry it took me so long to reply. This month was pretty rough. Yes, I sent the follow up dispute to the CRA. While they haven't responded, I pulled my reports on CK and the account is no longer listed. As of today my reports are clean. Thanks Why Chat and Thanks CB. At least one good thing came of this awful month. Now I have to go get some credit cards before my reports are completely empty. I'm not sure why someone with a bunch of unused credit cards sitting in a drawer is considered to be a lower insurance and credit risk than that same person with an empty drawer, but it is what it is.

Instead of applying for NEW credit-- why don't you use the "unused credit cards sitting in a drawer " ??

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I'm sorry it took me so long to reply. This month was pretty rough. Yes, I sent the follow up dispute to the CRA. While they haven't responded, I pulled my reports on CK and the account is no longer listed. As of today my reports are clean. Thanks Why Chat and Thanks CB. At least one good thing came of this awful month. Now I have to go get some credit cards before my reports are completely empty. I'm not sure why someone with a bunch of unused credit cards sitting in a drawer is considered to be a lower insurance and credit risk than that same person with an empty drawer, but it is what it is.

Instead of applying for NEW credit-- why don't you use the "unused credit cards sitting in a drawer " ??

 

Because they don't exist. My existing tradelines are all OLD, closed and starting to disappear. I don't even WANT a credit card but if I don't get one SOON I will have to start completely over with secured lines if I ever DO want credit. I'm about a year away from having no TLs at all.

Edited by JOOJ

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OK-- in YOUR situation I suggest you opt back in so you can get GOOD offers based on your "clean" reports.

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