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Help With Medical CAs

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Good morning everyone, 

I am relatively new to all of this and I made the mistake of disputing these accounts immediately online through Experian rather than utilizing some of the info that I have found on this amazing forum. I actually just found the forum and I feel so blessed to have so much information at my disposal, though it is overwhelming at first. 

I have two medical bills that hit my credit report from CAs ($288 and $152) and I am wanting to get them removed because they should have never even gone on there. They were opened in June 2020 and Sept 2020 respectively and I was not even getting the bills until I got an email that they were on my credit. 

I have read several things now on potentially using PFD strategies, etc. 

I am looking for any and all advice that anyone can share with me. I am wanting to buy a house soon and these have drastically impacted my FICO (Dropped me down between 520 and 580) across all 3 CR

Please help this noob get back on my feet :)

 

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Follow the guides;

https://whychat.me/GUIDEBOOK.html

Check all your reports very carefully for misspelling of your name, unknown addresses and/or alternate SS#s

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

Send the CRAs the initial dispute letter;

https://whychat.me/hipaadisp.html

 

Check your EOMBs ( explanation of medical benefits) for any paid bills relating to the dates of services referred to. Ordinarily medical bills that are delinquent can not be reported until 6 Months past the date of service. It is possible that these are either not yours, or have already been paid by your insurance or are from a JDB ( junk debt buyer) who is poisoning your reports because of your mortgage applications.

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