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
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.
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.
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.
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.
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.
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.
At what point do you get this agreement though? Is it before you pay it off completely?
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?
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?
In the beginning when you first start to deal with the collection agency, you need to get a written agreement.
The doctor bill I have my account is from a collection agency. I could probaly track down enough info to get the $40 forgiven sonce they said they were in network but why hassle for that amount? I just want to know if I would go down and pay the office directly if they would remove it or if I have to contact the collection agency. If I pay for service that was suppose to covered then I want the pay for delete because here shortly that will be the only blemish left on my report.
I don't get that, it is like these stupid co pays, I had surgery and had to pay a $14 copay, the surgery was quite a bit with a three day hospital stay. I was surprised to get a bill for fourteen dollars, I paid it, but it was just annoying.
fireyone,
If the CA made the listing then you need to speak to them about a PFD. If I were you I would get the required proof from your insurance agency and I would send it to the CA with a DV letter that has a PFD offer in it.
I really should do that. I mean this was a covered gynological screening that our health insurance offers for free once a year. I got the bill from our insurance when it first happened and called the docs office and told them they said they were in network and wasn't at the time. I said I wouldn't have chose them had I known since if I went in network it was absolutley free. Aggravating.
Hi goodnatured
Since you have already paid the 14$, it should not appear on your credit report. Now since it has already in your report, send a DV letter along with the proof that you have already paid the amount. If the proof that you have paid the amount is no longer with you, then send a DV letter first. If they validate your debt, send them a PFD agreement letter.
I still get letters every now and then. I just pitch them now, I have called and called in the past and it has done no good.
I know how that feels. It is really so annoying. Sometimes it is just better to file 13 something then to let it bother you. If your a working person I am sure you have better things to do then to spend the time redoing the same thing over and over.
hi
I have 527, 514, and 563. I've been using the average of 535 as my score
fireone has rightly said that it really annoys one to redo the things which does takes one's all efforts.
It is the sole reason why people hand over their total worries to the credit repair agency.
keep in touch...
Found this....
Hi,
[System detected duplicate content,converted into image.Thanks]
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.
Newsletter Software
Hii Friends
Keep them simple and please remember these simple rules:
1. In most cases, it's unnecessary to mention laws, procedures, court rulings, or threaten law suits, etc. The credit bureaus know the law. Keep the letter short, simple and concise.
2. All mail that requires a signature gets refused. Many credit repair beginners will tell you to send your dispute letters by certified mail. That information is outdated - all you need is a stamp.
3. You do not want your letter to look like a fill-in-the-blank form letter! Use your own words!
4. Letters that look confusing get returned back to the consumer as frivolous.
Credit disputes
The credit repair process can be very complex from disputing items on your credit reports through the credit reporting agencies to going directly after the creditors for validation, and the most difficult thing of all keeping them accountable. If you want use credit repair services that work you should enlist the most trusted credit repair company in the country CRE Credit Services. Start by going crecreditservices.com and getting a free credit consultation.
You may want to enclose a copy of your credit report with the items in question circled. Send your letter by certified mail, return receipt requested, so you can document that the credit bureau received your correspondence. Keep copies of your dispute letter and enclosures
If you are looking for a credit repair letter, credit repair letters, or credit dispute letters, look no further. DisputeSuite comes packed with credit repair letters. In addition to being able to create an unlimited number of your own credit dispute letters, we also give you FREE access to our proven arsenal of credit repair letters at no extra cost. Our library has sample letter for credit repair, sample letter to credit bureau, sample letter to credit collector and debt validation letter.
vKcgfpkWpamOvZ
jpYohM Very neat article post.Really looking forward to read more. Awesome.
Realest Alive
I also have issues because i have bad negative report on my credit report on my name. He helped me delete that particular negative items on my credit report and help me increase my credit score to 829 golden score. I will always advise you to hire the best. I've used him couple of times and i have him to my friends that can't stop thanking me. (Godeyeviewhacker@hotmail.com) or (443) 338-3730
credit help!!
globaltechnologies46@gmail.com is the most qualified of all the Credit repairers i have used him and also referred a lot of people and they have also testified to his service, he is too sure...i guarantee him 100% he can help you clear your debt, criminal record, and repair bad credit credit... he's too sure 100%
Recommendation
Do you have a bad credit report? Then no need to worry anymore.
HACKWEST@WRITEME.COM is the answer to getting a perfect credit. They helped me repair my credit. Removed the 18 negative items from my report and I was able to access loan and got myself a Chevrolet 2017 model. I can’t appreciate you enough West. You can also reachout to them via (424) 307 2638. Thank me later. Cheers. Respectfully, Raychel Jack.
SYNCHACKTECH CREDIT FIX UP
A magazine published earlier this month says between March and now, the percentage of the population having a perfect score has increased by 28% I know why, many of them have been paying to get it fixed. YES try to consolidate your credit so everything can be on a perfect stand with a golden score(i am talking at least 795) in three days. ALL CHANGES ARE PERMANENT. This can only be done with the concentration and smartness by Notablespy who has assisted so many individuals,i just got saved by him too.he can be trusted. I got my credit score increase up to 820 and from then my whole story change, i had enough money to stand on my own, i had my very big dream come though right now my family and i live in a house of our own and i already have two other house along side this year 2018. This is an achievement ever. Although what i paid can't be compared to the good work i received from him out of his kindness. Contact directly email(SYNCHACKTECHCREDITREPAIR@MAIL.COM or 8646570231)
Fix Credit
Hi all I’m Jocc. I had a lot of debts before now. Credit card debt collectors have been blowing up my phone nonstop. I’m so stressed out that my depression and anxiety multiplied tenfold. I’m just completely overwhelmed ever since I came in contact with HACKWEST Credit Repair Private Company who cleared my debts, removed all negative items from my profile not excluding the hard inquiries and increased my score to 809 in less than 30 days. I must confess these guys are good. I know so many other persons are in this situation, you can contact via email: Hackwest@writeme.com or text: (424) 307 2638 and please don’t forget to mention my name to them. Thanks.
Credit Help
I got amazing credit score hack for 2018 by charles0repair@gmail.com ,i come across him twice from different forum, Charles make it easy and i got huge difference to my financial success.Most people don't have a clue on how credit agencies work.This is how its works guys,Before working with credit healing I had a credit score of 631 to 645. I went looking for a loan from Metro Credit Union and they told me to pay my debt to Bank of America first which was about $3,100.I called all the credit bureaus and asked them for a credit report. I found out I had about 5 negative items and this makes me worried.lucky for me to come across Charles service who cleared all the negative items on the report and boast my score to 800 golden score that's was amazing because he also cleared my debt.Please email him at.. charles0repair@gmail.com for more info.
Credit Assistance
Happy New Year my name is Alexis from Texas I live in NY. I’m a divorced mom of 2 kids with a substantial income. We were going to lose our home because I didn’t have the credit score to purchase it. I had already worked with a hacker that almost wrecked my account with zero result. He also introduced one of his friends who tried to help but couldn’t because of the new security on the credit bureaus, they were unsuccessful but if I paid $1500 more, they would send me a cloned Credit Card and it is nothing but another big mess. I continued making more research on whom to help me with my credit until I read some reviews from people talking about Ghost Virus and how he help people who have alarming poor credit. I texted on +1 (205) 418 0498) and emailed (Ghostvirus7890@gmail.com) asking if everything I heard and read were legit that I am interested in his service ASAP. I got a responds and further explained the process. We moved on and Ghost actually did all he said he would do within 8 business days and now I’m happy sitting on an average high credit score of 790 across the 3 major credit bureaus with no negative items on it. You can connect with Ghost for a Credit Repair assistant.
As skeptical as I am, I have to say these guy is the best in the business. The cost is worth it. Faster than Lexington Law or any other repair services I have ever used.I started less than a week ago and changes are happening to my credit report and my scores have been going up. Take it from me, try him you won’t regret it. Ask for THECREDITWIZARD@WRITEME.COM, he is your guy. Customer service is professional and you are not being considered as a number. He is personable and understands your needs. It’s worth it guys and this aren’t no FAKE NEWS. You can also text him on his personal number +1 (717) 467-7735.
How i fixed my credit
Greeting Great people my name is Christian, Few years back I tried without success to fix my credit and rather it got worse. The last time was last year in which they request me some payments and six (6) months, the person did nothing. I was making more research and by chance I found Ghost Virus and his contact; GHOSTVIRUS7890@GMAIL.COM, +1 205 418 0498. For many of the names I found for some reason, I identified more with him. I am a father of 4 children and I have always wanted to buy my house but by credit report, I have never been able to. I did bought one house in Puerto Rico but it entered foreclosure. My score was in the 475 due to the medical bills, credit cards, repossessions, student loans, etc. well I trusted Ghost Virus with my credit and he delivered my life from shame and failure bringing joy and reason to be happy back to my grasp again. He raised my score to 790 and deleted the bad items on my report and it still looks nice up to date. Reach him with his above contact and get your lives back again.
Credit Repair solution
However, there are many services that might try to take advantage of you and your financial needs by trying to steal your money or financial information not this guy. I’m GREG, I live in Tennessee. I’m very grateful to Ghost. Last year, I needed help with my credit. My current credit score was 506, I wanted a higher score and probably my old accounts deleted although most of them I had no idea why they were there, because I never opened accounts with credit card. I went on internet to search for help and I found Ghost the credit Expert and I immediately contacted him (205) 418 0498; GHOSTVIRUS7890@GMAIL.COM). We got started with the process with some few questions and a little display of competency as a proof of legitimacy. He (deleted the accounts, erased all the inquiries and eventually raised my score to 780. I guess someone out there with bad credit issue will be in need of such help. I’m very certain Ghost will help you contact them today have a wonderful Day.
Credit Review
Hello Guys before working with COLEFRANKSERVICES I had a credit score of 531 to 542. I went looking for a loan from Metro Credit Union and they told me to pay my debt to Bank of America first which was about $4,800. At the time my credit report was awful with red mark all over it. I had a couple charge-off accounts and I was stressed out about them. I called the credit bureaus and asked them for my credit report. I found out I had about 7 negative items and 9-12 hard inquiries from every bureaus. While searching for solution, I found several good reviews about ColeFrankServices on different blogs and sites. At first I was skeptic and curious, so I sent them an email. They quickly replied back addressing me to an agent whom explained the process and everything needed to fix my credit there was absolutely no confusion. My credit score now is 795 and 790 deleting all the negative items on my report and also added beautiful Tradelines. Contact them COLEFRANKSERVICES@GMAIL.COM: +1 424 245 2993 if you have any question or you need their services. I paid absolutely nothing to Bank of America and it is all cleared in my credit report.
Credit Review
Hello Guys before working with COLEFRANKSERVICES I had a credit score of 531 to 542. I went looking for a loan from Metro Credit Union and they told me to pay my debt to Bank of America first which was about $4,800. At the time my credit report was awful with red mark all over it. I had a couple charge-off accounts and I was stressed out about them. I called the credit bureaus and asked them for my credit report. I found out I had about 7 negative items and 9-12 hard inquiries from every bureaus. While searching for solution, I found several good reviews about ColeFrankServices on different blogs and sites. At first I was skeptic and curious, so I sent them an email. They quickly replied back addressing me to an agent whom explained the process and everything needed to fix my credit there was absolutely no confusion. My credit score now is 795 and 790 deleting all the negative items on my report and also added beautiful Tradelines. Contact them COLEFRANKSERVICES@GMAIL.COM: +1 424 245 2993 if you have any question or you need their services. I paid absolutely nothing to Bank of America and it is all cleared in my credit report.
How to fix credit in less than 10 days
I am Victor Roland, I live Boston MA. My most gratitude goes to Hack West Credit Repair. Few months ago, I needed help with my credit; I had nowhere to run to. My whole life was in shambles because my current credit score was 512, I wanted a higher score and negative items deleted although most of them I had no idea why they were there because I never opened accounts with credit card. I went on internet to search for help and I found Hack West the credit professional and I immediately contacted them through (+1 (424) 307 2638 / HACKWEST@WRITEME.COM). We got started with the process with some few questions and a little display of competency as a proof of legitimacy. The good news is that they did all they promised to do (deleted the accounts, erased all the inquiries and eventually raised my score to a 790. Someone might be in similar situation that’s the reason I decided to do this. Cheers!
Fix your credit today
I remember in 2017, my credit score was horrible, I had so many collection accounts and would not approve for anything. I had rental debt, charge offs, student loans, tax liens e.t.c. from your credit report.
I was then introduced to XAPCREDITSOLUTION@GMAIL.COM by Mr. Stone who happened to be my old time friend and my credit score went from 529 to 790 within few days and I was able to get a home loan and eligible for several credit cards. I can always recommend XAP CREDIT SOLUTION to anyone who desires to have a better credit life. Cheers!
Credit Hero
I must acknowledge the tireless effort of Cole Credit Services, your commitment and dedication are greatly appreciated helping men and women with credit issues. I had a bad credit which disqualified me from many things and my score was on a low 474 but after my contact with Cole regarding my credit issues I can now boost of an excellent credit report and my score on a high 790. God bless your entire team and service to the community. I strongly recommend any one with a credit challenge to contact them COLEFRANKSERVICES@GMAIL.COM
How I boosted my score and added some positive tradelines
Hi Guys, let’s talk about the FICO score; those important 3 digit numbers that determine your quality of life no matter your status. Well earlier in 2018 I had a really bad credit score. I would often surf the net searching for real hackers that could help increase. Well, as expected I got swindled twice. Eventually, I gave up my search and concluded that it wasn’t possible for hackers to increase credit scores. The good news is that I read on Trulia about XAP CREDIT SOLUTION. I was pessimistic at first but I decided to give it a try. Lo and behold in 8 days XAP was able to boost my score, not only that they added some positive remarks on it. In conclusion if you have a bad credit score you might want to contact them on XAPCREDITSOLUTION@GMAIL.COM. Bye!
Credit Resolving
A warm greetings to you all reading this my name is David; Competence is one thing we don’t need to undermine. GHOST VIRUS has proved to be competent, reliable and trustworthy. He used his wealth of experience in fixing my bad Credit Report, deleting all negative items including FBI reports and medical bills from my credit report. He gave me an excellent score I have no worries anymore I got my life back thank to Ghost. I’m sure you won’t have any regret employing the services of Ghost You can always reach them on (GHOSTVIRUS7890@GMAIL.COM 205 418 0498). Have a Great Weekend.
Credit Resolving
A warm greetings to you all reading this my name is David; Competence is one thing we don’t need to undermine. GHOST VIRUS has proved to be competent, reliable and trustworthy. He used his wealth of experience in fixing my bad Credit Report, deleting all negative items including FBI reports and medical bills from my credit report. He gave me an excellent score I have no worries anymore I got my life back thank to Ghost. I’m sure you won’t have any regret employing the services of Ghost You can always reach them on (GHOSTVIRUS7890@GMAIL.COM 205 418 0498). Have a Great Weekend.
how to boost your credit
Hi Everyone, I want to sincerely appreciate the team of XAP CREDIT SOLUTIONS. My credit was very bad I was trying to purchase a home for my family and also secure something for my kids in the future but I get turned down even after pre-approval, it was very devastating. A friend read about them on trulia and informed me, I contacted them after reading some testimonies about them, they ran my credit report, analyzed the credit score, and determined which actions will have the greatest impact, They boosted my credit, added a few positive comments. They made it work and I have a clean credit file now. My heart is full of gratitude. If you want to you can reach them via (+1 972 597 9704) or their email XAPCREDITSOLUTION@GMAIL.COM.
how to boost your credit
Hello friends! My name is Frank, it’s obvious a lot of you have been ripped off your hard earned money in a bid of trying to fix your credit, just like me. I’ve been a victim of scam hackers several times not until I ran into an old friend earlier last month, whom I had to share my worries, so he introduced to me NOBS Credit Repair. I contacted the programmer and asked if he could get my credit report fixed, he said yes! I explained to him the entire negative item on my report and my low score of 450. Interestingly, just within 72 hours, he fixed my credit profile and also boost my score from 450 to 780. I’m so excited I could smile again. I strongly recommend NOBScreditrepair at WRITEME dot COM for your credit fix.
how i increased my CREDIT
Hello, your credit determines how much trust you are worth, it helps to separate the good customers from the bad ones, and it also helps identify high risk customers. In my 20s I was quite careless, I never paid back early, I often used way more than my available credit; these things take years to go away. This ruined my credit. It was very low. A friend Evans informed me about what XAP CREDIT SOLUTION did for him. Words cannot express how I feel right now; the team of XAP literally deleted negative items and increased my score to 765. I am truly grateful. You can email them on XAPCREDITSOLUTION@GMAIL.COM, or their phone: 972 597 9704. Bye
Credit Fix
Due to a lot of hardships and circumstances beyond my control, my scores were in the ditch. I was served with an eviction after I broke my lease, they swore the information was sent to my current address but I never received the eviction because of being gone from my previous address and never wrote a letter stating why I was moving. I basically moved from house to house to have a roof over me and my family’s head. They stated on each case that I had an eviction although I’ve paid the last due balance. It will literally take way too long for me to try sending 3 letters to the 3 credit bureaus and waiting for the eviction to be removed. However, I decided to dig online for credit repair solution and I came across a review on Quora about Ghost and I must admit I was impressed. I quickly contacted him on; Ghostvirus7890@gmail.com: 205 418 0498 asking if he could help me and how much he would charge. He replied after discussing the process, we moved on and guess what? He removed the eviction, fixed my credit history and raised my score to 800. He deleted the student loans, medical bills and the bankruptcy filled 2017. I eventually bought a home with his help and we are happy, may God bless him.
how I fixed my credit
Whether you like it or not the truth remains that we all want a good credit score, the merits of having a good credit score cannot be overemphasized, that said I would like to inform you that there is a credit hack company that can get your credit fixed in 8 days. Sounds impossible right? Yea, it is because I thought so too. I had a medical condition which put me through a lot, things were not working out, it cost me a lot, let me spare you the tale of my woes and give you the good news I had a credit score of 340 as at last year before a friend told me about XAP CREDIT SOLUTION, initially, I was skeptical but they have been able to increase my score to 725. You might want to contact them via XAPCREDITSOLUTION@GMAIL.COM / +1 972 597 9704)….
Credit Fix
Words enough can’t express how I feel after I came in contact with Hack West Credit Repair. I decided to contact Hack West when I was going through hard times and couldn't fix my bad credit on time and I've been cheated by some group of people calling themselves hackers! I contacted (HACKWEST@WRITEME.COM) and explained my story to them and didn't hesitate to assist me in fixing my credit. They helped me delete those particular negative items on my credit report and also increased my credit score to 790 (excellent) within 5 days. I will advise you all to get to Hack West if you have any credit issues. They have team of experts and are the best company for the job. You can also contact them via +1(424) 307 2638.