divinczech1 Posted October 1, 2004 Report Share Posted October 1, 2004 I've disputed a medical collection account that my wife has on her credit report with CSC and they validated that it was her account. The balance is $110. Does anyone have a suggestion as to what the best option would be to get this off of her credit files?Thanks Link to comment Share on other sites More sharing options...
goodmank Posted October 1, 2004 Report Share Posted October 1, 2004 I have been lucky with medical accounts by doing the following.1. Pay the hospital or Doctor2. Send DV to CA3. Send Dispute to CB after CA receives DVThe CA will not validate the debt and they will verify inacurate info (you paid the OC). Two violations 1. Continued Collection Activity2. Reporting False InformationThis has worked for me but that does not mean that it will work for you. And I am assuming that you owe the debt. If you do not owe the debt then send the DV/ITS and DO follow through with the ITS. Link to comment Share on other sites More sharing options...
blueranger Posted October 2, 2004 Report Share Posted October 2, 2004 you left out a lot of the story tell us the rest of the story..so you dv the ca and cra..they validate any way..so do you send then a demand to remove with a copy of the check?or what do you do ...how do you get them to remove it from you cr...??/take them to court...??? Link to comment Share on other sites More sharing options...
goodmank Posted October 2, 2004 Report Share Posted October 2, 2004 you left out a lot of the story tell us the rest of the story..so you dv the ca and cra.. I DV the CA and Dispute the CRAthey validate any way.. YESso do you send then a demand to remove with a copy of the check?or what do you do ...In my DV request I tell the CA to Validate or I will Sue ( I live in Texas they Have 30 days)how do you get them to remove it from you cr...??/take them to court...??? I filed two suits......One settled $1000.00 plus removal........Still waiting on second one to answer suit Link to comment Share on other sites More sharing options...
blueranger Posted October 2, 2004 Report Share Posted October 2, 2004 ok, I live in kentucky.. I have about 15 or 20 medcols..... I will pay them off... wait a week then dv the ca.... I wait till I get the green card backand dv the cra... when they validate I will sueand we will see what happens..please post a copy of the letters your using.. Link to comment Share on other sites More sharing options...
goodmank Posted October 3, 2004 Report Share Posted October 3, 2004 To Whom It May Concern: During a standard review of my credit report I was made aware of you reporting a $75.00 collection account on my Equifax credit report. Under the Fair Debt Collections Practices Act (FDCPA) and the Texas Finance Code, I have the right to request validation of the debt you say I owe you. This is not a refusal to pay a debt, but a notice that your claim is disputed in its entirety. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Please attach copies of:• Agreement with your client that grants you the authority to collect on this alleged debt • Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. • Any insurance claims been made by any creditor regarding this account • Any judgments been obtained by any creditor regarding this account• A full accounting of the alleged debt.Please do not mistake me as the average consumer. Your failure to respond as required by law will result in a lawsuit filed by me against your company.Best regards, _________________My Name Link to comment Share on other sites More sharing options...
blueranger Posted October 4, 2004 Report Share Posted October 4, 2004 I will give it a try... Link to comment Share on other sites More sharing options...
Recovering Attorney Posted October 4, 2004 Report Share Posted October 4, 2004 divinczech:I would contact the doctor's office, give them a sob story as to why the bill was neglected, pay them and ask them to have CSC remove it from your report. Tell them CSC will do this if teh Dr asks them to. You are seeking their goodwill. Use that word, MD's hate to lose their goodwill. Put the request in writing. Follow up with phone calls. CC the CA Link to comment Share on other sites More sharing options...
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