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About Churchie

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  1. So the collection is only on showing on my Equifax and TransUnion reports. Both companies have online dispute capabilities. Is it recommended that I use those instead of mailing? Won't it make the verification process faster, at least with the CRAs being able to let me know the status of the dispute faster. Also, if I use the online dispute method, and they come back validated, would I be able to follow up with an MOV still?
  2. Oh ok, that's great to hear that it will not reset anything. That has always been in the back of my mind but it is good to not have to worry about now. I am probably not searching for the right thing, but do either of you have a link to a sample validation letter to send to credit agencies? Only examples I could find were to the CA or creditor themselves. Also, because the collection is reported on multiple credit reports, do I need to file a dispute with all agencies or just one of them (Equifax or TransUnion)? Sorry for my complete ignorance and thanks again for all of your help.
  3. Thank you for the response.The part I bolded in the quote is what worries me the most. I would like to do almost whatever it takes to get it off, but if I send a dispute letter, it comes back verified and then the creditor updates the collection on my report, won't that reset the 7 years?
  4. Well, I apologize for coming off that way. It did read snobby I guess and I don't really have an excuse for it outside of just saying this whole situation blows and I am sick of having to think about it. If that is the case, would you say the best bet would be following what fist recommended then, right? To send a dispute letter to the CRAs to make sure it is accurate and then follow up with an MOV?
  5. First off, thank you to the three of you for posting responses. I appreciate you taking the time to try to help me. bassplayr, I appreciate your reply but to start things off, I honestly do not need a lecture on whose debt this is and why it technically isn't inherited. I used inherited for lack of a better term, and also wanted to use it in this context as I was considering using it in a letter sent to the CA, but realize that this may not be the best method to do so. Lastly, due to me being a full-time student and not working, and also being of legal age and having to sign all of the do
  6. Hi everyone, I did a search on the forums and was unable to find a scenario like mine. If there is one and I missed it, I apologize in advance for overlooking that. When it comes to my question, it originates from a medical debt collection started in 2011 that, as far as I know, came from me breaking my hand in 2010 and being of legal age. Although I signed all of the medical documents, my parents were going to pay the medical bill as I did not have income to pay for it because I was a full-time student. With that said, my parents accidentally stopped paying the debt (I believe it was bein