Please consider disabling your adblocker for CreditBoards if you have not already done so. This site depends on advertising revenue to stay online.
I have another topic I made on here detailing my journey so far, but I felt this warranted it's own topic.
I'll start with the TL;DR - I got invited to the Optima program, so I paid off my balance in full, still have yet to receive a letter or optima credit application (I do have an e-mail and reference number at least), and just now my Chase Journey and Experien accounts told me I got a large derogatory mark, specifically that my AMEX was charged off.
The long version:
Back in 2019 I was on a payment plan with AMEX and I tried to switch bank accounts (my main one became at risk), but after removing my account, it refused to let me add a new one. I called customer service, and they were insanely rude and refused to add my new bank, saying "I violated the agreement" or some nonsense, so I just stopped paying them altogether. At the time I could barely afford it anyways. Fast forward to about a month ago, I started getting e-mails about being invited to the Optima program. I don't trust e-mails like that for anything, but I had run into some money and my wife and I are in the process of condo hunting (I don't want or need lectures about mortgages), AND people here advised me to try to get into the optima program anyways as a low hanging fruit to fixing up my credit, so I looked up AMEX's official number and called them directly. After a bunch of phone transferring, they put me in contact with someone who basically said if I pay it off, they'll show the account as being closed and paid in full and then send me the application to the optima program.
And like I said in the TL;DR, I have yet to receive a letter or an application, but now I'm seeing notifications that my credit report has a brand new charge off from AMEX, which first off is the exact opposite of what they said they'd do, and secondly, how is it charged off if I literally just paid it in full?
I apologize, but I'm basically seething at this point, and I don't know what to do. I'm absolutely going to call them tomorrow and make them explain themselves, because if I knew paying them off would add a derogatory mark to my credit, I wouldn't have done it to begin with, and I'll just ask my bank to do a charge back. I really don't care anymore, and I can use that money elsewhere. That's twice I tried to work with them in good faith, and it's twice that I seem to be the one getting shafted. There won't be a third time.
Whychat thank you very much for sharing; and I've been reading through your program guide for quite some time now, and I would like to think that I've understood the steps and how the process works. However, I got confused and not sure what the next step should be.
- I sent the Initial dispute letter for 5 medical accounts.
- Experian: 2 Accounts deleted, and 3 were verified as Accurate
- Equifax: All Deleted
-Transunion: 1 Deleted and 4 are still in the collection section but moved to a sub-section with status closed, and they all still have balance. The Remarks on all of them: "Account information disputed by the consumer, meets FCRA requirements."
- I didn't receive anything from the collection agency
I'm not sure what to do next as I have different results. I understand that If the accounts are verified, AND I received NOTHING from the reporting CA, I need to send the reporting CA the "MEDICAL DISPUTE VALIDATION LETTER" I want to confirm this is my next step.
I appreciate any feedback.
I have 2 medical collections for 2 different providers being reported to Experian and TransUnion by the same CA and a 3rd collection with Equifax with a different CA.
I started the HIPAA dispute programs for all them with these results:
TransUnion: both items were deleted Experian: both items were verified with a note to contact the CA for more info Equifax: No Response at all and no deletion
I started the HIPAA dispute program for the Experian collections but skipped the 2nd step of Medical DV to the CA by mistake. Instead, I sent money order payments to both the OC's using the HIPAA letter and have copies of the deposited and canceled money orders from my bank. The collections have not been deleted and I haven't receive a response from the OC's at all.
Knowing the I missed the DV step with the CA, what should I do now to continue the process for getting the Experian entries deleted?
For the Equifax entry with no response, do I just start over again?