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HomeCredit ForumCredit repair

HOW TO REMOVE CREDIT INACCURACIES

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SUKHIPATIALA



Joined: 24 Jun 2008
SUKHIPATIALA's page
Posts: 1



40 Magic Points
Subject: HOW TO REMOVE CREDIT INACCURACIES
 
 Posted on Tue Jun 24, 2008 6:35 am  
hi guys
i check my credit score every month because it 's free from one of my credit card company this month my crdit score was turned down from 781 to 630 i was shocked when i checked my full credit report it says that i have collection account with NCO MEDCLR FOR ONLY 490 .WHEN I CONTACTED THEM THEY TOLD ME THAT I OWE THEM BECAUSE I ONCE CALLED AMBULANCE AND I TELL THEM THAT I HAVE INSURANCE SHE TOOK MY INS INFO AND SHE I WILL BE FINE BUT NOW I CALL CREDIT REPOTING AGENCY THEY SAID EVEN IF YOU PAY THEM STILL IT WILL STAY ON YOUR CREDIT REPORT FOR SEVEN YEARS .I TOLD THEM I NEVER RECIEVED ANY LETTER FROM THEM EVEN WHEN I CALL NCO MED THE ADDRESS THEY HAVE I NEVED LIVED THERE PLEASE SHARE IF I CAN DO ANYTHING TO REMOVE THIS FROM MY CREDIT REPORT
 
scott

scott

Joined: 28 Jun 2006
scott's page
Posts: 180



4868 Magic Points
 
 Posted on Tue Jun 24, 2008 9:16 am  
Hi Sukhipatiala
Even if they took your insurance information, it was not a written conversation and so you do not have any proof. You send a debt validation letter along with your insurance details by certified mail. Wait for 30 days after they have received your mail. I think they will not be able to validate the debt. If they cannot validate your debt, send them a dispute letter by certified mail to the CRAs asking them that you do not agree with the listing. I think the listing will be removed from the credit report
_________________
SCOTT

Social security, bank account, and credit card numbers aren't just data. In the wrong hands they can wipe out someone's life savings, wreck their credit and cause financial ruin.
 
Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 412



10749 Magic Points
 
 Posted on Wed Jun 25, 2008 10:02 am  
Your credit score has fallen by over 150 points for just 490$. I think that there may be some other listings too along with the NCO MEDCLR listing, which has collectively affected your credit score so much. If you have sent the insurance documents earlier and have the proof, dispute the listing directly with the CRAs. Else you may sent a written request to NCO MEDCLR along with your insurance documents and request them to remove the listing.
_________________
Best Wishes
Justin
 
CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 378



4034 Magic Points
 
 Posted on Wed Jun 25, 2008 1:15 pm  
I also agree that you need to pull your CS from the 3 CRAS b/c that drop is a bit to large... If I were you I would call your insrance company and see if they did payment and if possible get a reciept. I would then call the OC and explain the issue to them and see if they could help you since it is a paperwork error on their part.
_________________
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Free sample letters,
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and quick credit repair tips.
Pesonalized credit repair advice in the forum:

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anthony

anthony

Joined: 31 Jul 2006
anthony's page
Posts: 493



12319 Magic Points
 
 Posted on Thu Jun 26, 2008 6:56 am  
Just for 490$, a fall in credit score of about 151 points is what I too think is a bit large. You contact your insurance company and see whether they have already paid or not. If they have paid, get that in writing and then dispute the listing with the CRAs. If the insurance company has not paid them, try to come to a PFD to get the listing removed as soon as you pay back the debt.
_________________
Anthony Marx

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.
You can also visit my blog
http://financewatchonline.blogspot.com
 
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