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Tsncredithelp

Payment for deletion denied

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I have 17 medical bill accounts ruining my credit. I started paying and after 2 accounts paid I noticed my FICO score not improving. I sent a payment for deletion request but it was not accepted. I offered to pay in full all 15 remaining accounts if they would delete all of them from all credit bureau's. They did not agree. Should I now request them to verify all accounts or would it be a better idea to send a second request for payment for deletion stating that I will not pay if it will not improve my credit score. So if they want to get paid at all they need to accept my offer for full payment for deletion. I'm not sure what to do. Should  I send a notarized request for verification of all accounts or send a second request for payment for deletion stating I will never pay if they don't agree to delete after full payment? Any help appreciated 

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When there are multiple collection items on a report, clearing one or two does nothing for score.  The score won't show measurable improvement until they are ALL gone. 

 

An entity has no obligation to accept a payment in exchange for deletion and some will hold firm that doing so is a violation of their contractual Agreements with the four major bureaus...

 

You don't indicate how old these items are or what amounts are involved.  You ALSO do not indicate what steps you took with the individual practitioners to make arrangements at the time the services had been provided or whether you followed through on those arrangements.

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2 hours ago, centex said:

When there are multiple collection items on a report, clearing one or two does nothing for score.  The score won't show measurable improvement until they are ALL gone. 

 

An entity has no obligation to accept a payment in exchange for deletion and some will hold firm that doing so is a violation of their contractual Agreements with the four major bureaus...

 

You don't indicate how old these items are or what amounts are involved.  You ALSO do not indicate what steps you took with the individual practitioners to make arrangements at the time the services had been provided or whether you followed through on those arrangements.

I am aware that all accounts need to be deleted hence why I am trying to get them deleted. I was working on paying them off but learned that even if all accounts a paid off it will not repair my FICO score so I am attempting to try to get them deleted for full payment. 

 

Some of these accounts are from 2017 and older from prior years but none are 7 years or older. The amounts involved are some bills as low as $64 and as high as $300 all 17 accounts adding up to about $2200. I never had an agreement with the practitioners at the time of service. I had lost my health insurance and the practitioners were willing to see me anyway knowing I had no insurance. I wan not told I would be billed nor was I told I wouldn't be billed. 

 

I am working with Lexington law and have had a few removed improving my credit slightly. I just found a different company called Fortress Credit Professionals that will dispute all accounts at once and I will only pay for each account that gets deleted. Not sure what to do. Stay with Lexington and have the notarized letter sent that will include a request to have all 17 accounts verified or should I send a request for an agreement for payment for deletion again stating that I will not pay because it does not benefit me unless they are willing to delete?

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2 hours ago, Tsncredithelp said:

I am working with Lexington law and have had a few removed improving my credit slightly. I just found a different company called Fortress Credit Professionals that will dispute all accounts at once and I will only pay for each account that gets deleted. Not sure what to do. Stay with Lexington and have the notarized letter sent that will include a request to have all 17 accounts verified or should I send a request for an agreement for payment for deletion again stating that I will not pay because it does not benefit me unless they are willing to delete?

Welcome to CRA Special Handling.

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Concur with Marv and Indy...you are using entities that will do you MORE harm and damage than existed before you gave them a dime.  They tend to dispute EVERYTHING and do such a pisspoor generic letter while simultaneously foreclosing many opportunities to actually do it correctly.  Meanwhile, their methods place you into Special Handling.

 

And, while Special Handling CAN be a good place for some with legitimate issues, this is not one of those situations.

 

Oh, and I doubt you were being told by the doctors they were treating you for free.  I would all but guarantee that some of the paperwork you signed contained the language that you were agreeing to responsibility for payment on the services rendered...

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3 hours ago, centex said:

Concur with Marv and Indy...you are using entities that will do you MORE harm and damage than existed before you gave them a dime.  They tend to dispute EVERYTHING and do such a pisspoor generic letter while simultaneously foreclosing many opportunities to actually do it correctly.  Meanwhile, their methods place you into Special Handling.

 

And, while Special Handling CAN be a good place for some with legitimate issues, this is not one of those situations.

 

Oh, and I doubt you were being told by the doctors they were treating you for free.  I would all but guarantee that some of the paperwork you signed contained the language that you were agreeing to responsibility for payment on the services rendered...

 

3 hours ago, MarvBear said:

The FIRST thing you should do is get rid of the credit repair organization.  DIY.

 

3 hours ago, MarvBear said:

The FIRST thing you should do is get rid of the credit repair organization.  DIY.

I would love to do it myself it were that easy. I work 3 jobs and need these negatives removed quickly. If I do it myself it will take a long time for me to figure out how to do it properly. Everyone keeps telling me what not to do but no one wants to show me where to start. What kind of letter? Is there sample letters? After I send a dispute to challenge all 17 medical bill accounts, what do I do after if it doesn't work? I don't know where to start

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Is there any step by step instructions on how to dispute all my negative reports on my credit report from medical bills or what method to use to get them removed? If I cancel Lexington Law I don't want to end up making a mistake. I would love step by step instructions with sample letters to input my personal info

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3 hours ago, centex said:

Concur with Marv and Indy...you are using entities that will do you MORE harm and damage than existed before you gave them a dime.  They tend to dispute EVERYTHING and do such a pisspoor generic letter while simultaneously foreclosing many opportunities to actually do it correctly.  Meanwhile, their methods place you into Special Handling.

 

And, while Special Handling CAN be a good place for some with legitimate issues, this is not one of those situations.

 

Oh, and I doubt you were being told by the doctors they were treating you for free.  I would all but guarantee that some of the paperwork you signed contained the language that you were agreeing to responsibility for payment on the services rendered...

If I cancel my Lexington Law membership and I send out disputes myself, will I be red flagged because some disputes are already sent out with Lexington and my disputes and their disputes will cross paths 

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1. Opening threads in multiple subforums won't give you the answers you want to hear.

2. We are leading you in the right direction - Read everything - and I mean everything WhyChat has put out there and act accordingly. Don't parse it looking for shortcuts. It has a method and from what we've gathered, its not 100% but it is effective more often than not. Better than what you're getting through L-L and you're paying for that garbage.

 

It didn't take overnight to get you into this credit situation and you won't get out of it overnight.

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11 hours ago, Tsncredithelp said:

If I cancel my Lexington Law membership and I send out disputes myself, will I be red flagged

You used L-L. That's already a red flag. Don't you think CRAs have already caught up to L-L or any other CRO's methods?

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Posted (edited)

I absolutely despise form letters.  They miss far more than they resolve.  Generic crap begets generic crap in response, meanwhile burning the best shot at getting anything in relief...and once you fired the first arrow, they get to claim everything else as "already investigated," This is the same as in the world of appellate law.  You don't get to keep throwing things at the wall, hoping SOMETHING sticks. 

 

Lexington Law is even worse than the idiots who suggest sending things in crayon.  They dispute EVERYTHING on reports, even the good accounts.  They do far more damage than you had BEFORE wasting money with them.

 

Doing things yourself means you actually learned WHAT is essential.  In the event you moved to litigation, you are either hiring competent counsel or you are defending yourself, and no competent attorney is going to be able to stand with a straight face while working with the crapola advanced by LexLaw or almost every other 'debt resolution' entity out there. 

 

Specificity is a must in order to most adequately protect your rights!  Shortcuts are begging for trouble.  Is this time consuming?  Sure.  But it gets easier once you have invested some time upfront to actually understand WHAT you are doing and, more critically, WHY you are doing it. 

Edited by centex

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1 hour ago, centex said:

I absolutely despise form letters.  They miss far more than they resolve.  Generic crap begets generic crap in response, meanwhile burning the best shot at getting anything in relief...and once you fired the first arrow, they get to claim everything else as "already investigated," This is the same as in the world of appellate law.  You don't get to keep throwing things at the wall, hoping SOMETHING sticks. 

 

Lexington Law is even worse than the idiots who suggest sending things in crayon.  They dispute EVERYTHING on reports, even the good accounts.  They do far more damage than you had BEFORE wasting money with them.

 

Doing things yourself means you actually learned WHAT is essential.  In the event you moved to litigation, you are either hiring competent counsel or you are defending yourself, and no competent attorney is going to be able to stand with a straight face while working with the crapola advanced by LexLaw or almost every other 'debt resolution' entity out there. 

 

Specificity is a must in order to most adequately protect your rights!  Shortcuts are begging for trouble.  Is this time consuming?  Sure.  But it gets easier once you have invested some time upfront to actually understand WHAT you are doing and, more critically, WHY you are doing it. 

Does this look good for the first letter I should send out?

 

Attention; CA Name

 

I am formally requesting that you validate all tradeline listings you have submitted to the three major credit reporting agancies by CA Name for me, My Name, under account numbers, (list of all 16 accounts).

 

Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in the form of a verefied statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline.

 

Within 30 days of this notice, either answer these demands or remove the associated negative tradeline notations from the credit reports, actions which contraindicate evidence or your intent to abridge one or more civil rights. Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaints being filed pursuant to federal statute.

 

Thank you in advance for your anticipated cooperation.

 

(I will have this letter notarized also)

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Does this look good for the first letter I should send out?

 

Attention; CA Name

 

I am formally requesting that you validate all tradeline listings you have submitted to the three major credit reporting agancies by CA Name for me, My Name, under account numbers, (list of all 16 accounts).

 

Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in the form of a verefied statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline.

 

Within 30 days of this notice, either answer these demands or remove the associated negative tradeline notations from the credit reports, actions which contraindicate evidence or your intent to abridge one or more civil rights. Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaints being filed pursuant to federal statute.

 

Thank you in advance for your anticipated cooperation.

 

(I will have this letter notarized also)

 
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take ownership of your mess. no CRO will take care of your credit repair as well as you can.

 

what are you trying to get "validated" by a CRA?

 

 

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