jjohns39

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About jjohns39

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    CA
  1. All of the information on the account appears to be accurate, at least to the best of my knowledge. My name, address and other info is correct, but I do not know if each individual charge is correct. I guess at this point my last hope is to try and contact the Insurance company once again and figure out why they did not pick up on the bill, or where never properly charged. I have tried this numerous times and I'be gotten no where, but I guess I will give it another shot.
  2. Update: I sent out a brief letter to the CA requesting an investigation into the accuracy of what was being reported as well as proof of the account from the original creditor. I also requested that they submit proof of being able to tack on interest for each month that the debt was past due. Since I had already spoken with the CA as well as the OC and they had both informed me that they had no information on this account I assumed that this letter would have gotten them to remove the account as I demanded immediate removal if proof of the account was not submitted. However yesterday I received a package from the CA on their letter head and printed from their systems, a full print out of procedures performed and amounts charged during the hospital visit. THere was no original information within their documentation from the hospital itself, it was all from within their own system. Also, along with this information they submitted a letter stating they had already verified the account and sent me this information once in the past and everything is reporting correctly. They also said that under the state of CA they could tack on an additional 10% interest each year the debt was past due. At this point I am at a loss. It was my understanding that the CA had to have paperwork from the OC to collect the debt, not just print outs from their own offices. But I cannot find any information on this topic. So I would assume that I will have to pay these off. Any suggestions?
  3. @BV80 yes I did dispute this with CRA's and it did in fact come back verified.
  4. Update: I spoke with the CA this morning while I was drafting a letter to send them. I called to get the correct account numbers and while on the phone I requested that they send me all of the account information including procedures, expenses, and break downs of what was owed to the OC. They said they in fact do not have any of the information on file and they would need to make a request to the OC to obtain that info for me. So now we know for certain that the CA and the OC neither have the file any longer. Should I proceed with a letter to the OC and the CA?
  5. @Clydesmom My apologies for overlooking your question. No, there is not any insurance involved in this claim. I was uninsured at the time of hospitalization.
  6. @BV80 Will sending a 623 letter to the CA have any effect whatsoever? My understanding of the 623 was that it was only for the OC and not the CA. Obviously I could be mistaken.
  7. It's being reported on my CR as a collection by Progressive MGMT SYSTE which is the CA.
  8. Thanks for the help. Determined1: It sounds like what you are suggesting would be similar to a 623 letter. Is this correct? If so, I have a question about that. When I spoke with the hospital they indeed did say that they no longer have the records. However when I spoke with the CA they claimed that they did. If I do go the route of sending a 623 letter to the OC will it make any difference if the CA claims to have accurate information or is that irrelevant if the OC does not have accurate records? Thanks!
  9. I have two medical accounts with the same hospital, one from 2009 and the other from 2010. I have already DV'd both accounts and they came back verified. My problem now is how to go about settling both accounts. The largest of the two accounts has a current past due amount of $7200 with an original balance of $5000 which they tacked on $1200 in interest. Originally I was planning on sending a settlement letter to Progressive management, the CA, however I chose to call them instead and see if I could settle with them for a lower amount via phone. They did inform me that they were in fact NOT the owners of the debt and that the hospital was still the OC. They were not very willing to work with me on the debt at all and only willing to negotiate a small portion of the interest they had tacked on. I didn't argue with them, or even make an offer on what I was willing to pay as I did not want to stir up to much trouble until I was prepared to settle completely. I decided I would call the OC and upon doing so I have now found out that the hospital does not keep any records of their debt after a certain number of years and referred me back to the CA. Now I'm not really sure where to go from here. Do I send a settlement letter to the CA offering a lower settlement, or do I somehow try to settle with the OC? It was my understanding that most CA's would generally be a little more forgiving when working with medical debt, however this does not seem to be the case. I can only afford to pay a small percentage of the original debt, but I'm not sure how I can make that happen. Any insight would be appreciated! Thanks!, Josh
  10. I am going down the list of the creditors that I have on my CR and calling them to find out what the accounts are for and I have a debt from a hospital bill from back in 2006, however the phone number for the OC supplied on my CR report has been disconnected. The account has not been sold to a JDB and is still held by the OC. They do have a mailing address but I fear that that may be incorrect as well. What can I do about this? Would this be considered inaccurate information on my CR and need to be verified, or is it up to me to track down the correct phone numbers and addresses. Thanks!
  11. Thanks for all the input! I have decided against going with this financial advisor as I agree that they are completely wrong in their advice and taking their course of action would cause more harm than good. I will be getting started this week with disputing the duplicate accounts and any inaccuracies, hopefully all goes well! Thanks for the link as well! Very Helpful
  12. So I met with a financial advisor/planner yesterday who was recommended to me by a friend to take a look at my current credit issues. I have been doing a good bit of research on my own and I have a plan of action that I was hoping to take, however after meeting with this advisor their advice was not in line with what I have been reading for the last few weeks. We went over my CR one account at a time and came up with a plan of action. First off I have a CC from BOA that went delinquent 3/06, the status on that account shows as "closed by credit granter" however the account has been sold off twice to JDB and is showing up as three accounts on my report. The advisor claims that the two duplicate reports will be removed if I file an online dispute with CRA's and the newest collection account will remain on my report and we will address that at a later time. I also have a couple of other accounts that appear this way on my report as well, one including a student loan that I have consildation about a year ago, however it is still showing up as 3 seperate loans, all of which are showing up under "derogatory accounts" even though the status is Paid in collections. My first question to you all is can I get these duplicate accounts removed from my CR? I am under the impression that I can by simply filing a DV letter with the CRA, but again I am new at this and I do not want to make a mistake here. I also have several accounts that are all past SOL and have been sold numerous time to JDB and charged off and are all 6+ years old. The advisors advice on these was that I contact the JDB and negotiate a payment with them. I asked him about the SOL and 7 years it'll take to fall off of my report and asked if there was another way to go about doing this. HIs response was that any debt I have on my report can haunt me forever and if the account is sold to another JDB it will automatically restart the SOL. I didn't believe that this was true at all! It was my understanding that once you are late on a payment that is the start of SOL on that account and selling it to a JDB and then to another JDB will not restart the clock. Is my understanding of this true? I feel like this is a huge issue to disagree on if I am going to use them to help me with this process. At this point am I am not completely confident in this advisors ability to help me and I think I am going to attempt to do this on my own. If you were me what would be your first course of action? Trying to clear up some of the duplicate accounts and then start addressing each of those accounts one at a time? I basically have 14 accounts reporting, however in reality it's only 5 accounts and all the others are duplicates. As for the debt that 6+ years old my thought is that I should send a verification letter to the current CA to find out the exact dates of my first missed payment, as it deosn't show on all the accounts, and also to find out if the account can be negotiated. I'm a bit apprehensive about just jumping in a sending letters off because I am afriad that any action I take will also cause some reaction by any of the other creditors. Your advice would be greatly appreciate!
  13. coltfan, Thank you so much for the info! So if you are saying that the old charges will have little effect on my score if they are removed, would you put all of your focus on cleaning up the other 10% that are still reporting? The only newer accounts that I have are all medical and the total for all of them combined really isn't that large of an amount. My thought is to contact each of these creditors to see if I can get the amount owed lowered and just pay them off in full. Would this be my best bet in improving my score for the short term?
  14. Ok I desperately need some direction here. I am really new at this and at this point I have done so much reading that I am just overwhelmed. One moment I have a plan of action, the next I'm completely confused. My situation is I have several old accounts; most of which are 6 to almost 7 years old. I am in the process of trying to clean up my credit in order to buy a home but I need to address these negative accounts before getting a loan. I have a couple of charged off accounts as well as some medical bills. All of which are from 2005-2006. I have researched Credit counseling and credit consolidation, and from what I have read thus far it looks as though I should avoid them all together and work on this myself. That brings me to where I am now. I have been reading all the info I can on this site and I just need some help on what step to take first. I live In CA and on 90% of my negative accounts they have already gone well past the SOL. I also understand that just because they have past SOL doesn't mean that they will be taken off of my report. So that is my question to you all. Is there a way to get these negative accounts taken off of my report? I have read about the "goodwill Letter" and DV and I am hoping that there is something that I can do to get these accounts removed from my report. Would sending out either of these letters help at all?
  15. Hi all, I am new to the forums but I have been researching this topic for some time now. I am working on repairing my credit in hopes to buy a home at some point in the near future howeve I have been advised by my lender that I will not currently be eligible for a loan with anyone due to my credit past. Most of my credit issues are from 2004-2006, I have 2 charge off accounts from 2006, one credit card that states "account closed by creditor" and several medical bills between this 2 year period. From what I have read on the net, as well as through this site my understanding of it is that after 7 years the 2 charge off accounts will no longer effect me, and after 4 years for the medical bills. My question is, since I am coming up on the 7 years for the 2 charge off accounts what steps do I need to do to get them removed from my report? Also, it is my understanding that the medical bills have a SOL of 4 years, why are they still showing up on my report? I have searched this forum but I haven't yet found the answers that I need, but I may just be looking in the wrong place, so any help would be greatly appreciated!