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Scott65

My credit repair journey

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Posted (edited)

I have gotten the copies of my credit reportI have only medical derogatory entries on my credit reports and am going to try and get them removed.

I had no insurance at the time and didn't apply for any assistance.

They were all from an accident I had in Feb 2014.

 

Experian: 3 collection accounts. 1 paid, the other 2 seem To be duplicates with different account numbers?

Equifax: Same 3 accounts

Transunion: Same 3 accounts plus 2 others

 

I have gotten the 3 copies of my credit reports April 26, 2019.

I have opted out and am preparing the letters to get old addresses (and a misspelling of my name) removed.

I believe these can be regular printed letters, but I would like to confirm!

My question is: Can this letter be typed and printed in regular ink? Or should this one be in blue ink and handwritten?

 

Thank you for any guidance.

 

 

Edited by Scott65

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Sorry, had a medical issue in August and it kinda put things in limbo for a moment for me.

Everything turned out good as far as that goes! (Thank god!)

 

I did mail the CRA's the initial dispute letters beforehand.

Experian - The one paid account was removed. The two other accounts were verified and remain

Equifax - all 3 accounts removed! YES!

TransUnion - 2 accounts remain (Same ones on Experian report)

 

The weird thing is that the 2 accounts that are on Experian and TransUnion are for the same amounts and for the same creditor, but are different CA's for each report?

 

One is:  Experian

CREDIT BUISNESS SERVICES

711 EGLIN PKWY E. FORT WALTON BEACH, FL 32547 (866) 368 9887

 

The other is: TransUnion

COLLECTION BUREAU OF FT WALTON BEACH

PO BOX 4127 FT WALTON BCH, FL 32549-4127 (866) 368 9887

 

Same phone number though?

 

Getting ready to send the CAs the medical DV letters. I am assuming I would send letters to each address per the CRAs they are reporting to.

Would I include both account numbers in one letter? Or write 2 letters, one for each account?

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Send the reporting CAs the medical DV 1 letter to each CA for each CRA they are reporting to.

You can send letters for 2 or more CRAs to a CA in the same envelope IF the CA addresses are the same, otherwise you will need separate mailings and matching separate follow up disputes. 

Use the account # and address for the CA exactly as shown on the report you are referencing.

https://whychat.me/ltrcavalhipaa.html

 

You need to make sure that your follow up dispute to each CRA includes a copy of "their" referenced report.

https://whychat.me/ltrcavalhipaa.html#DISPUTE

 

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In the following part of the medical DV, what does PM# mean or refer to?
 
Your Name
123 Your Street Address
Your City, ST 01234

 

ABC Collections

 

123 NotOnYourLife Ave

 

Chicago, IL

 

Date: _________ PM#____________

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

Edited by Scott65

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Sent follow up dispute to each CRA.

Before they received them, I got a response from both Experian and TransUnion that both accounts were verified as accurate.

Edited by Scott65

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The response you received was likely from your initial dispute letter---unless you somehow sent the CRAs the medical DV instead of the CAs

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TransUnion finally removed the last 2 accounts! TransUnion now also clear of collections!  Score jumped 43 points!

Experian.... still haven't heard anything. They both did just receive the follow up disputes on the 16th.

Edited by Scott65

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September 24th, Experian disputes are now open.

Your dispute should be completed by Oct 17, 2019.

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This is what Experian said about my dispute:

The dispute for the account with C B S that starts with 1XXXXXXX was not changed as a result of our processing of your dispute.The company that reported the information has certified to Experian that the information is accurate.

Never heard from the CBS....

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Results of the complaint with the CFPB was a long explanation of why their investigation was sufficient for what was required of them and the complaint was closed. Collection accounts remain.

 

Edited by Scott65

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Give it a few Months and try an on line dispute as "obsolete" state account was incurred prior to November 2012

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