Best way to dispute.....
Date: Thu, 10/04/2007 - 14:12
I called the CA and asked for details of the account, and they verified to me over the phone that the account had been paid in full, not settled for less than full balance. I advised them of the way the account was being reported by them to the bureaus and was told that DH would have to dispute it with the bureaus.
Ideally, I would like it removed, as it is hurting his credit score. Funny how it used to just be credit accounts that were reported on your file, but now it is everthing from utility accounts to medical bills, which aren't extensions of credit.
I did consult with Bud Hibbs, and he advised to dispute the account as not being my DH's. I saw that Cajun advises that this is a wasted dispute reason.
Some advice, please....
I advise against not mine because it is too easy to defeat. Simp
I advise against not mine because it is too easy to defeat. Simply dispute it as I never had a collection on this account as bill was paid in full or this account should not be recorded as a collection.
DH says that he was told that he needs to call the hospital that
DH says that he was told that he needs to call the hospital that originated the bill, and get written confirmation that the bill was paid in full. He can then submit this to the credit bureaus and they will supposedly remove the item from the reports.
Does this sound correct?
No all that accomplishes is a paid collection. Since no contract
No all that accomplishes is a paid collection. Since no contract was setup before payment,you are gonna have to get collection agency to delete trade line or dispute it off.
That's what I thought, but he claims that a co-worker of his was
That's what I thought, but he claims that a co-worker of his was in the same boat and he contacted the hospital and got a paid letter and bureaus deleted. The account is showing as paid on the credit reports, that's not the issue. It is just showing as settled for less than full amount and or attorney involvement, which is totally untrue.
Thanks for the info.
Well that puts new light on it.Get a paid in full letter from ho
Well that puts new light on it.Get a paid in full letter from hospital and dispute as never went to collection.Good Luck.
Hopefully they will do that. I contacted the collection agency
Hopefully they will do that. I contacted the collection agency that reported it and they confirmed the paid in full status, but refused to correct the info with the bureaus.
It really brought his score down and it needs to come off, so hopefully this will work.
The other thing dragging him down is late payments. I don't know what to do about that. He had a store card that he used for about a year and then paid off and closed account. I guess he forgot about payment being due one month and was late with it, but that was the only time. So, the account shows as having 1 late payment. I don't know how to get that off.
For the late on store you want to write a goodwill letter direct
For the late on store you want to write a goodwill letter directly to the store asking them to remove it due to you being a good customer.The more honey you can drip on that type of letter the better.