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Labor Trade & Collection
TheStruggleIsReal posted a topic in Debt SettlementSo, first off, let me thank everyone here for the great resource that you provide as I've been trying to get my credit back into the 700's after having a few issues. I did some labor trading with a dentist for labor around 9 years ago when I worked for my old boss doing IT and received a bill shortly after getting the work done in which I was told by the dentist to ignore and that it would never go to collections. I have NEVER signed for anything with this dental office at all but out of the blue I get a $900 collections notice almost 9 years later. This same dentist has now sold his original practice by himself and is in business with another dentist with a different company name. I disputed it with Transunion who just said it was verified with no information past that. I didn't have access to the resource flow chart that I found on this website so my question is should I send a DV notice via certified mail to owner of the debt (C? If so, directly to the original dentist correct? If they don't have anything signed by me and only send back a copy of the bill is that sufficient enough or should I work further down the flowchart? Thank you in advance for your help! EDIT: I should probably specify that I received no notices ahead of time nor phone calls that this would be placed into collections; It just randomly appeared on my credit reports.
I wasn't sure where exactly to post this but wanted to get it out there and see if anyone could offer some advice. I have been clearing up my Credit Report for the past 2 years and was almost at a respectable 670. I had a dental bill default and go into collections as the insurance was dragging its feet since they were over billed. My insurance payed their portion of the bill ( i never got notification of this) and I paid the collections people the remainder as soon as I got the reduced bill from them. Is there any way I can dispute the negative on my credit report as it was reported before the final adjustment was made?