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Credit Bureau dispute letter

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CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 373



3898 Magic Points
Subject: Credit Bureau dispute letter
 
 Posted on Mon Jun 02, 2008 9:00 am  
So, I have been going about my credit repair via DV letters then PFD offers and settlement since March. I have raise My CS over 150 points and my husbands over 200. (Yeah, they were bad!) Now, I have only a couple pesky accounts that failed to validate their listings to me and have refused my (if I may say so myself) generous PFD offers. I am sending out the following letter bright and early to the 3 CBs along with LOTS of proof. LOL I feel really bad for the poor schmuck who has to go through 3 months of Dv letters, Cert mail reciepts and various other documents! Laughing

Now, I have already disputed the listings I am disputing in this letter before. The difference is this time I am sending MY proof they should be deleted. If this doesnt get me the desired deletions I will send a method of verification letter.

Has anyone else sent this kind of documentation to the CBs before? I was worried about the amount of paperwork i am send ing but, It was pointed out to me on a legal website that they are obligated to review my proof....

dispute-letter
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fireyone



Joined: 26 Feb 2008
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Posts: 1857



8785 Magic Points
 
 Posted on Wed Jun 04, 2008 12:22 am  
CMB That is an excellent letter. Congrats on raising your husbands and your score. Let us know how the letter worked out for you. Good luck.
 
CMBV22

CMBV22

Joined: 08 May 2008
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Posts: 373



3898 Magic Points
 
 Posted on Mon Jun 09, 2008 6:35 am  
Thank you, and I will
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fireyone



Joined: 26 Feb 2008
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8785 Magic Points
 
 Posted on Tue Jun 10, 2008 10:51 am  
CMB you seem pretty wise when it comes to all this credit stuff so I am hoping I can ask you a quick question. On my report there is a doctors bill that won't fall off until a couple years. I really never checked my credit until this year (learning the importance of that!!!). Anyway this bill is mine but it is one I fought the docs office about a few years ago. Here was the situation..
I called when my hubby got a new insurance plan that covered yearly pap smears at 100% and asked the office if they could tell me if they were in-network. The receptist assured me the docs office was. So I scheduled only to get a denial of payment letter from my ins comp. because they were in fact out-of-network. For some reason they were thrown off for a couple months and then reinstated. I called the office and argued with them several different times. They told me in the end to forget it. Now I see it on there and called back and they said I had to pay it. I am no longer witht that doc office because of this and a long time ago switched. Does these factors give me a reason for dispute?
It is opnly $40 but it is just the idea of how rude this was.
 
CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 373



3898 Magic Points
 
 Posted on Tue Jun 10, 2008 6:28 pm  
I have a couple questions/ starting points,

1) who made the mark on your CR was it a CA or the OC?

2) can you get in writing the dates that the office was in network and the dates they were out of network?

3) send the doctors office a written request that your chart and all documents signed by you, to be sent to you.

4) write down in detail as much information as you can remember. Receptionsist names, dates etc. Call your insurance company again and find out why they suspended that office for that time period.

Research you states laws and regulations on debt collections. Focus on the articles on medical bills for this account.

5) Once you have all of that information I would call the doctors office and ask to speak to the billing specailist. Have all of your information with you so that you can quote documents from the office and the Insurance company.

EXplain to the office everything that happened and how you were willfully mislead into accepting services from that office when they knew their office was suspended by your insurance company. Provide them with the details you find out about why they were suspended.

I would also inform them if they do not remove any marks from your CR that you will file complaints with the FTC, BBB, AG and DOB.

Chances are you will be able to get them to remove the mark from your CR if you offer them a PFD after you hit them with all of this information.

Personally, I prefer to do all my dealing with CAs via mail. That way I have proof of all conversations. If you need help drafting a letter for this I can help you. Let me know what you want to do and I will throw one together that you can add your own details to.

Now, when exactly did this hit your CR? How close is it to the SOL in your state?

Good luck
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anthony

anthony

Joined: 31 Jul 2006
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9616 Magic Points
 
 Posted on Wed Jun 11, 2008 5:34 am  
For this it is first essential to know who listed this information on your credit report. What I prefer is that, since it is a matter of 40$ which is coming in the way of improving your credit score, You need not go into long proceedings and waste your time there. You can instead come to an agreement with the CA for pay for deletion. If they do not agree for pay for deletion, then I think you can follow the procedures as mentioned by CMBV.
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Anthony..

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
 
goodnatured



Joined: 03 Nov 2007
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2725 Magic Points
 
 Posted on Mon Jun 16, 2008 3:16 am  
Just make sure that you get the deletion in writing so if they don't follow up you can send it in to the reporting agency. Get a paid in full letter so that you can send it along with it.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 1857



8785 Magic Points
 
 Posted on Fri Jul 18, 2008 12:43 pm  
Wouldn't you have to get the deletion notice before paying the old debt? What if they don't send you the paid in full notice afterwards? I think I would request a letter that stated: Ms. over her head in debt and our company have reached a settlement agreement in the amount of $0000 and once this is paid my company agrees to delete this debt from her credit report and send along to her a paid-in-full notice within 30 days of payment. That way if they don't send any along after you pay you could use the letter and receipt showing you paid to be rid of iot once and for all.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 2476



2725 Magic Points
 
 Posted on Sat Jul 19, 2008 2:08 am  
You would definately want to get what ever your terms are in writing before you pay it off and then have them follow it up with a paid in full. They are not real cooperative after you pay them off, so get it all prior to pay off.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 373



3898 Magic Points
 
 Posted on Sat Jul 19, 2008 6:27 am  
fireyone,
Basically what you get from the CA is a letter promising to delete all references to the account with the CRAs within 10 days of paying them. Then you send certified funds to the CA with 'paid in full' written in the memo. Many states say that is a check etc is cashed with a paid in full memo, The dent is legally pad off even if they cross it off or write I dont agree. I send a letter with the funds reaffirming our agreement also.
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Free sample letters,
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Pesonalized credit repair advice in the forum:

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anthony

anthony

Joined: 31 Jul 2006
anthony's page
Posts: 381



9616 Magic Points
 
 Posted on Sat Jul 19, 2008 7:02 am  
Hi goodnatured
Always try and get the pay for deletion agreement in writing. This is because even if you have paid in full, your creditor may not be willing to delete the listing. So if you have the proof, you can always send a dispute letter to the credit bureaus asking them to delete the listing after you paid the debt as agreed to your creditor.
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Anthony..

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
 
erb1953



Joined: 31 Dec 2007
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Posts: 549



1003 Magic Points
 
 Posted on Sat Jul 19, 2008 11:20 am  
At what point do you get this agreement though? Is it before you pay it off completely?
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 1857



8785 Magic Points
 
 Posted on Sat Jul 19, 2008 12:42 pm  
That is what I have been trying to figure out. If you don't get some kind of promise in writing before paying off the debt how can you be sure that they will follow through on their part?
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 1857



8785 Magic Points
 
 Posted on Sat Jul 19, 2008 12:42 pm  
That is what I have been trying to figure out. If you don't get some kind of promise in writing before paying off the debt how can you be sure that they will follow through on their part?
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2476



2725 Magic Points
 
 Posted on Sat Jul 19, 2008 10:55 pm  
In the beginning when you first start to deal with the collection agency, you need to get a written agreement.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
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