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I am working on cleaning up a few items on my credit reports and not sure which way to start.  There are two Paid Collection medical bills showing on my reports, which is hurting my ability to rebuild my credit after divorce.  They both are being reported by the same medical collection agency that is a local company where I live.  They are both old, but still have a couple years to fall off my reports.  One for $73 has a delinquency date of 3/2015, assigned to collections 1/2016, paid in full 7/2016.  Last reported to credit bureaus on 6/2017,    The other one for $164 has a delinquency date of 5/27/15, assigned to collections 10/2016, paid in full 12/2016 and was last reported on May 18, 2020.  Should I call them and request a goodwill adjustment to have them remove the reporting, write a goodwill letter, or move to the HIPAA letter?  

 

I also have one account in collection status that I disagree with.  I had disputed it via the credit bureaus, but only got a notation in the credit reports that the debt was conforming, which I am sure means they contacted the collector and they said I owed the debt.  This is a credit card debt that appears to be sold to a collection agency.  The debt amount is $370, delinquency date 12/2018, turned to collection 6/2019.  I am not even sure what this is, but may just be continual late fee charges on account I though was closed.  Where should I start with this one?  Pay for delete or validation letter?

 

I made the mistake of ignoring my credit report after divorce in 2016 and have a thin file, but these three things are seriously hurting my ability to get a credit card acceptance.  I don't want to keep having hard credit pulls for applications when I know these items are a big reason why I am being turned down.

 

Thanks for letting me tell my story.

Lola2020

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Follow the guides;

https://whychat.me/GUIDEBOOK.html

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

The initial dispute letter should get you some resolution,

https://whychat.me/hipaadisp.html

List ALL medical accounts as they are reporting on the CRA report you are disputing

Come back to this post for further instructions with your results. 

A "goodwill letter" is a waste of paper and postage. The CA reporting is likely a JDB ( junk debt buyer) and there is nothing but BAD WILL with any of them

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Thamks Why Chat!  I have my three initial dispute letters along with credit report copies of accounts circled ready to be sent out in the morning.  I am working on a validation letter for the credit card debt that was apparently sold to a junk debt buyer.  I will post any updates to see where we go from any responses I receive.  Feels good to take control of my credit report that I had been ignoring until things hit the fan!  Hoping these things won't take too long to resolve.  I've gotten myself in a not so great situation due to letting my credit usage, type of account mix and not having any revolving debt since my divorce in 2016.  I didn't realize those things hurt your credit as well!

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Today I received the last response after sending the CRA initial dispute letters for Medical Collections that have been Paid.  Both TransUnion & Experian deleted the accounts from my credit report.  Equifax did not.  They responded with "We have researched the collection account.  The results are:  We verified that this item belongs to you.  THE FOLLOWING FIELDS HAVE BEEN MODIFIED:  *STATUS DATE  *BALANCE DATE  *ADDITIONAL INFORMATION.  If you have additional questions about this item please contact:  Name, address & Phone for the medical collector office."  So these paid medical collections from 2015 are still sitting on my credit report.  What should my next steps be to try and get these two accounts removed from Equifax.  

 

Thanks!

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Sorry for the delayed response;

Have you been following ALL the steps?

https://whychat.me/GUIDEBOOK.html

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

 

If you have opted out, deleted old addresses and sent the initial dispute letter to the CRAs the next step in the program is to send the CA the medical DV;

https://whychat.me/ltrcavalhipaa.html

and to send Eq the follow up dispute

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

 

If you have done ALL of the above and Eq still has not deleted, then try this;

 

File a complaint against Eq with the CFPB

https://whychat.me/hipaaftccomp.html

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I did the Opt Out, but have not deleted old addresses.  I will first delete old addresses with Equifax, then send the two recommended letters and hope that will end with a Delete on this item.

 

I have an additional question regarding a DV I sent to a CA that is not a medical collection.  The letter was signed as received by the CA on 6/29/20 and I have had no response.   This is an unpaid collection, which I think is a compilation of late fees.  The current CA is not the original CA.  The current CA sent a collection notice on June 15 and offered to have me pay a smaller balance to pay in full.  Balance amount is $369 and they offered payoff at a deep discount of $314!!!  (yes they included that many explanation marks in their letter.  I sent the DV letter after receiving the June 15 correspondence from the CA.  Also in May 2020, I disputed this collection with all three CB and recieved response that debt was valid.  It was an online dispute made before I discovered these boards.  

 

Based on the instruction on Why Chat's Credit Confusion Home, I arrived at this link:  https://www.creditinfocenter.com/rebuild/debt-validation.shtml  I assume my next steps are #5 & #6.  I just wanted to confirm I am following the right process on this one as well.

 

Thanks for all the help and advice for working through this confusing maze.  I know in the long run iall this will payoff!

 

Thank you!

Lola2020

 

 

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WHOA!! Please do NOT try to dispute NON medical accounts at the same time as medical accounts. The disputes will get merged in the CRA computer systems.

 

If you want to send a dispute/ validation letter to a CA  for a non medical account there is a program for that .

FIRST follow the INITIAL guide.

https://whychat.me/GUIDEBOOK.html

then AFTER you have obtained deletion of the medical accounts use this;

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

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Thank you Why Chat!  Let me back up on this.  First want to clarify the medical collections reporting as paid.  Here is what I have done so far:

 

1)  Opt Out

2)  Remove Old Addresses - did not do.  

2)  Send Initial Medical Dispute in blue ink to all three CRA.

3)  Received responses:  TU & EX deleted from credit reports.  Eq verified the debt with a reporting date from the CA of July 7, 2020

 

Next Steps should be:

4)  LETTER TO COLLECTION AGENCY ON MEDICAL ACCOUNT REPORTING AS PAID

5)  FOLLOW UP DISPUTE LETTER FOR BOTH TO CRA.

 

If next steps on the Medical Collection Reported as Paid are what I need to do, I will tackle this immediately.  Let me know if I need to remove Old Addresses before doing #4 to CA & #5 to Eq, let me know.  I have moved from the address that I lived at when the medical service was provided.  These medical collections are still in the SOL.

 

Thank you!

 

 

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3 hours ago, Why Chat said:

WHOA!! Please do NOT try to dispute NON medical accounts at the same time as medical accounts. The disputes will get merged in the CRA computer systems.

 

If you want to send a dispute/ validation letter to a CA  for a non medical account there is a program for that .

FIRST follow the INITIAL guide.

https://whychat.me/GUIDEBOOK.html

then AFTER you have obtained deletion of the medical accounts use this;

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

Just to clarify.  I misspoke on the dispute to the CRA for the NON Medical account.  I did not dispute the account or request DV.  Instead, at the request of the mortgage lender looking to refinance our home back in May, I requested they CRA's remove the word "DISPUTE" from the Comment Section of the Credit Report for this CA.  😧

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OK, leave it alone until you have obtained a deletion of your medical accounts.

 

BTW, what was the date of your last on time payment on the NON medical account, what was the date of medical service on the medical accounts.

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Last on time payment on NON medical debt would have been Sept or Oct 2018.  On the medical accounts, one shows Date of 1st Delinquency of 3/2015, Assigned 01/20/16 and paid in full 7/2016.  The other one shows Date of 1st Delinquency 5/2015, Assigned 10/2016 and paid 12/2016.  I don't have the actual bills or EOB's from those medical services.  

 

On the NON medical debt, I should wait until I resolve the medical debt with Eq before sending any additional correspondence to the CA or to the other two CRA?

 

Thanks for all the information!

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I was just looking over the letter sent to me by Eq showing the paid medical collections were valid.  It is interesting that the letter is addressed to me with my name misspelled.  Is there anything to use there to get Eq to delete due to that?

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Have you followed the guides?? Are your reports showing a different spelling of your name and/or an alternate SS#?? When you are getting the old addresses deleted you should correct any such errors at the same time.

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I am following the guide.  However, I did not request deletion of old addresses.  I will be sending those letters out today.

 

How far back should addresses be deleted?  I have three different addresses between 2016 and Present.  I should probably keep those three and delete eveything else.   

 

 

 

 

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You should try to delete addresses that were in effect on the dates of your medical services.( obviously other than your current address)

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Is there a chance that sending the CA the LETTER TO COLLECTION AGENCY ON MEDICAL ACCOUNT REPORTING AS PAID, then sending  Eq the FOLLOW UP DISPUTE LETTER FOR BOTH TO CRA will trigger the CA to report again to Tu & Ex that ithese are a paid medical collection?  Both Tu & Ex deleted these collections from their reports after getting the NEW INITIAL DISPUTE LETTER?  Or with having the written notices from Tu & Ex, will that suffice for them to have to keep this off my report if the CA decided to report this as Paid Medical Collection say in 3 months?

 

 

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