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Reinsertion after nearly 3 years


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Hello all.  Back in 2016 I came here for help dealing with a medical collection on my reports and I followed Why Chat's method with great success.  Original thread here:  https://creditboards.com/forums/index.php?/topic/564330-deleting-medical-collection/

 

 

Here we are almost 3 full years later and the same medical collection has popped up from the same CA on my EQ and EX reports.  They both show as being disputed by consumer, but are there nonetheless.  

 

At this point, do I start the dispute process over again?  I've opted out, pulled copies of all 3 reports and verified that no old addresses/phone numbers exist, but I wanted to return here for advice before I waded back into these waters.  

 

Also, does SOL have any impact?  I believe here in Maryland SOL is 3 years as it pertains to this subject.  Does the clock start from date of service, date of delinquency, or something else?  Also, I'm under the assumption that SOL applies just to the reporting, and not to the debt itself, that the debt doesn't magically vanish at the end of the SOL.

 

Thanks in advance for any guidance and clarification.  

 

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The legal SOL as well as the 7 year obsolescence period for your credit reports starts from date of service.

Are you sure there are no other errors on your reports?? Double check.

Have deleted addresses come back on to your reports??

Have you recently applied for a mortgage?? Make sure you are opted out as youmay have accidentally been opted back in again.

 

Yes, start over;

https://whychat.me/GUIDEBOOK.html

https://whychat.me/GUIDE HIPAA PROGRAM.html

https://whychat.me/hipaadisp.html

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  • 3 weeks later...

Thanks as always for the reply, Why Chat.

 

In regards to SOL, the date of service was Jan.19, 2015, so NOT obsolete as far as credit reporting goes, but beyond Maryland's 3-years, if that makes any difference.  

 

I have not applied for any mortgage, or anything actually, for probably 18 months or so.  But it's entirely possible that I did something else that might have opted me back in mistakenly.  I'm not sure exactly what triggers opting in.  So, I opted back out on 4/2 when I re-started this journey, and for good measure I opted out again today to be 100% certain that I'm starting clean.

 

I have thoroughly gone through all my reports and the content all seems fine.  No old/deleted addresses have shown back up.  The only thing I noticed is that my EQ report doesn't show ANY address at all on my report.  I've read your guide again, and since I'm referencing report numbers directly to the CRA's, I don't think this will be an issue, but please correct me if I'm wrong.  

 

I suspected that I would have to start the process over again, so thank you for confirming that.  I'm preparing the initial dispute letters now, but I'll wait to hear your thoughts on the lack of address on the EQ report before I mail it.

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2 hours ago, Surreal Awakening said:

Thanks as always for the reply, Why Chat.

 

In regards to SOL, the date of service was Jan.19, 2015, so NOT obsolete as far as credit reporting goes, but beyond Maryland's 3-years, if that makes any difference.  

 

I have not applied for any mortgage, or anything actually, for probably 18 months or so.  But it's entirely possible that I did something else that might have opted me back in mistakenly.  I'm not sure exactly what triggers opting in.  So, I opted back out on 4/2 when I re-started this journey, and for good measure I opted out again today to be 100% certain that I'm starting clean.

 

I have thoroughly gone through all my reports and the content all seems fine.  No old/deleted addresses have shown back up.  The only thing I noticed is that my EQ report doesn't show ANY address at all on my report. How did you get the report?? On line??. I have never heard about this issue before. As long as all the other personal data is correct, just proceed with the program I've read your guide again, and since I'm referencing report numbers directly to the CRA's, I don't think this will be an issue, but please correct me if I'm wrong.  

 

I suspected that I would have to start the process over again, so thank you for confirming that.  I'm preparing the initial dispute letters now, but I'll wait to hear your thoughts on the lack of address on the EQ report before I mail it.

 

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1 hour ago, Why Chat said:

I have thoroughly gone through all my reports and the content all seems fine.  No old/deleted addresses have shown back up.  The only thing I noticed is that my EQ report doesn't show ANY address at all on my report. How did you get the report?? On line??. I have never heard about this issue before. As long as all the other personal data is correct, just proceed with the program I've read your guide again, and since I'm referencing report numbers directly to the CRA's, I don't think this will be an issue, but please correct me if I'm wrong.  

Yes, that is correct, I got the report online.  I don't know if it's a glitch that occurred when I saved it to PDF form or what.  My other personal info (full name, last 4 of SSN, DOB, employment history all show up, just no address).  *shrug*

 

I will proceed and followup here once I have the results from this step.  Thanks!

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