syulinoire

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About syulinoire

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    Delaware
  1. @BV80 Yes it was paid, the actual date of service was 11/13/06 and paid 11/15/06. Going to find out today how? and when collections got a hold of it?
  2. Well not sure if this question applies but, earlier today while "ATTEMPTING" to get my free annual report, more specifically with Equifax, the validation questions they asked were totally off target for any information that I have in my file? So assuming this was just randomized question to prove I am who I say I am I of course answered none of the above to all of them. When I hit submit I was denied access and asked to call in to get a copy of my CR? More ironic was that my baby sister went through the same thing and can't get hers either? So I decided to call Equifax to see if the questions were actually random, or if the questions they used to verify my identity actually were sourced from my CR, I couldn't get a straight answer due to them wanting me to pay 6 bucks to prove or disprove my theory? But does anyone know anything about this?
  3. @BV80 BTW thanks for the acronym help as well! Trying to learn!
  4. Thanks for the info! I kinda had a suspicion it was too good to be true! LOL I have been making some phone calls in the meantime trying to get correct information about the actual time of service compared to when it was actually placed for collection. Which in my case was almost a year to the day? But I will call and find out exactly when it was place in collection. Surprising the JDB (junk debt buyer I assume) is attempting to collect on a medical debt that was already paid for by my insurance.... Which I believe was a issue due to the fact I had recently changed insurances and they were both active at the same time? But either way the service has been paid for. I did get both insurance companies to send me my coverage information during that time to cover my bases when I go to correct this error. One thing that made me curious was when the I spoke to the CA (collection agency?) the agent wanted to know when the service had been paid? I asked why and she stated that if it was after they bought the account, the only thing they could do would be to place it under "paid in full" which I can't understand because it was paid the same month that the service was rendered? Is there anything I can do about this? P.S. I'm really glad you responded I was reading your comments on FCRA violations and lawsuits, was very inspired to jump down the rabbit hole!
  5. First thanks for reading this! Back Story: I recently, the last couple of years have been attempting to clean up my credit report, paid of most as I don't have all that many trade lines on my account. I more recently came across a article post which you can view here, that basically states that because every state has different SOL's which a collection agency can go after debt for, if that time has expired the CRA's are supposed to remove these items off of your report. Question: Is this information true? How would I go about removing the collections off my report?