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About chevy706

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  1. And it gets weirder: So I didn't cash the check, and then I received my bank statement in late May and it shows that my account was credited for the exact amount from Verizon. I just got off the phone with them, and now they say I owe $170, because in addition to their twice rejecting my payment, they've "discovered" another $85 in fees in the form of some video services which I certainly don't recall. Mind you, My last business with Verizon was December of 2010. I am in the process of getting a loan for building a new home, and would really like to get this mess off of my credit report.
  2. I guess my thought was, I have record of the payment, when it was made, how much I owed, how much I paid (100%). Do they not then have to report this to the bureaus within 30 days? I made the payment on March 6th. If I pull my credit report on April 6th and it's still there, did they not violate the law?
  3. Has this ever happened to anybody else? In cleaning up my credit, I noticed an outstanding balance of $85 to Verizon. Since I knew I owed the money, I called and made the payment and got a confirmation number. This was about a month or so ago. Today I received a refund check from Verizon to the tune of $85 exactly. I called Verizon and they said I owed $85. After telling them my story, they looked into it for several minutes, told me it was sent in error, do not cash, and they'll mark my account as paid. Do I have any recourse since I doubt my credit report will reflect this change w
  4. @Clydesmom Oddly enough, this letter worked twice, as I got Enhanced Recovery Company to drop a debt they were trying to collect on behalf of Sprint. I would like to ask if you have a better template available, because I have more to send. Just because I got it to work twice doesn't mean that it's the right letter for what I am doing. I am open to any and all suggestions. Thank you for your feedback.
  5. I have some recent success with Midland. I sent this letter on February 10th, and just got a letter back yesterday that they are removing the listing from all 3 credit bureaus. Midland Fund8875 Aero Drive Suite 200San Diego, CA 92123February 10, 2014Re: Acct # XXXXXXXXTo Whom It May Concern: This letter is being sent to you in response to a perusal of my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( that your claim is disputed and validation is requested. This is NOT a request for “ve
  6. Sorry if these items are addressed elsewhere, but my searches turned up little. Maybe I wasn't searching correctly. First off, my wife paid off our house in September 2012 after she bought it in 2003. (Don't worry, the rest of our credit is awful). The bank that initially issued the mortgage reported the debt and the regular payments until they were bought out in 2007. The new bank took over the mortgage and was bought out again. Early in 2012, the last bank took over the mortgage and was the bank with which we ultimately satisfied the mortgage. The only problem is, the last 2 banks ne
  7. I just piggy backed onto my parent's Discover account, and my credit instantly shot up 40 points! I went from using 35% of my available credit to 1%. Note of warning though, don't expect your report to necessarily have the same jump. When it's below 600, it's a little easier to get to bounce into the 630's. If you're in the 630's, it's a little harder to move to the 670s.
  8. Ok, so I printed my credit report from last year and on it was a closed medical bill for all of $35. I called the company, National Hospital Collections, told them I didn't realize I owed it and would be happy to pay them so that my debt could be paid and that my credit report would reflect the payment. I made the payment on March 12th of last year. I recently pulled my credit report this year, and National Hospital Collections is no longer on there, and it's gone from Experian entirely, and was never on Transunion. But for Equifax, there's a $35 medical bill with an o
  9. I went through the last 15 pages or so of this forum, as well as doing a forum search, and to my surprise, this bottom feeding pack of leaches revealed no results. Hopefully this isn't a repeat question, but I've really got to get some help here. I used to sell Conseco supplemental health insurance for about 6 months in 2008. A few months ago SAA started contacting me saying they had a private investigator looking into me and my assets, have threatened to sue, and were just overall extemely aggresive and rude. I basically told them where to go and how to get there. There was no way I was g