chrisdab

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About chrisdab

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    Virginia
  1. I have a debt on 3 CRAs of $1747, with a date of first delinquency of Feb 28,2011. What should I do in regards to that debt? I can settle the debt, contest as zombie debt, or wait until it falls off report. These are the options I think I have. If I settle the debt, I have leverage since the debt will fall away soon, so I can get favorable payoff amount and get it deleted. If I contest as zombie debt, I should be able to remove from CRAs as well. If I wait I can get it removed either after 7 years or 7.5 years of first delinquency. What advice is there regarding this debt? Date Reported: May 07, 2017 Original Creditor Name THE CBE GROUP INC Balance Date May 07, 2017 Date Assigned Feb 28, 2014 Account Designator Code INDIVIDUAL_ACCOUNT Original Amount Owed $1,747 Amount $1,747 Creditor Classification Utilities Status Date May 07, 2017 Last Payment Date Status UNPAID Date of First Delinquency Feb 28, 2011
  2. I am unsure of what procedure I should follow regarding this medical debt that was sent to a CA. The original bill is $32.40. There were fees added from the OC and fees from the CA. The current total is $54.29. I had called my insurance as I believed this was supposed to be covered, but my coverage for that year was different than now and so my insurance says I am liable for the medical bill. This debt was reported only to Equifax. Should I get in writing that statement from the insurance company? Should I do a HIPAA checklist from whychat? Should I do a DV or pay for delete? I have heard here about debt not being deleted and just marked paid if the wrong steps are taken so I want to do this correctly. From Equifax: Date Reported: May 01, 2017 Original Creditor Name R A ROGERS,INC COLL CONSUL Balance Date May 01, 2017 Date Assigned Aug 24, 2016 Account Designator Code INDIVIDUAL_ACCOUNT Original Amount Owed $39 Amount $49 Creditor Classification Medical or Health Care Status Date May 01, 2017 Last Payment Date Status UNPAID Date of First Delinquency Dec 15, 2015 Comments Medical