Yahoo, my scores are all up and got 2 deleted....

Jacque383 · ‎07-31-2007

Hi All,

I just want to say "thank you" to everyone whose posts I've read and to those who have responded my posts. The only bad thing on my credit reports, which appeared almost overnight, were medical bills. Everyone and especially Noah, you've been a wealth of knowledge, and I've followed your suggestions as well as many of the suggestions from other posts to the "T".

This morning I had 2 of those medical bills deleted. Now I've got a few more to go...I also had 8 inquiries removed simply by disputing them).

My scores jumped, but not the same numbers across the board. Isn't that strange how that happens. Two deletions and each CRA adds the numbers differently. Seems there should be one standard across the board.

My scores:

July 4, 2007

EX - 599

EQ - 658

TU - 649

Today's Score:

EX - 681

EQ - 616

TU- 667

Now I've got to figure out what to do next...I disputed the rest of the medical, it came back verified. I talked to the hospital and they won't do anything except provide me with the collections name/number.

I have the money to pay these bills, but my goal is to have them removed, not just paid. Should I continue to try the PFD?

Any suggestions would be great.

Message Edited by Jacque383 on 07-31-2007 02:10 PM

Anonymous · ‎07-31-2007

Hey J,

Congrats on the deletes, had two myself. Feels good right. I would keep on PFD'ing the collection agency and I would even continue to PFD the hospital. You never know til you try, right. Some have posted that they have sent 3 or 4 letters. So don't give up, keep pushing.

Jacque383 · ‎07-31-2007

Thank you...I will keep doing that...

Anonymous · ‎07-31-2007

excellent work Jacque!

Anonymous · ‎07-31-2007

You go girlfriend!! That is awesome news. Now, maybe you can go enjoy that date that you canceled on!!!

I would keep sending the letters......until you win. Remember the ball stays in your court until you are satisfied!!!

Anonymous · ‎07-31-2007

Just re-read your post......I would NOT pay any collections left unless they agree to delete. If you pay and they don't delete....they win, and the collection stays on your report!!!

Jacque383 · ‎07-31-2007

Anderson - Thank you...I can't believe how easy it really was...Now onto the rest of them.

Flygirl - I have no intention of paying them unless they delete them...I did however send another PFD, but this time I went and got a money order for the exact amount owed and included a photocopy of the money order only in the PFD...Inside the PFD, it clearly states that I will forward the money order once I receive acknowledgement that the debt will be deleted. We'll see how that goes over. These debts are from 2003, 2004...

Message Edited by Jacque383 on 07-31-2007 05:51 PM

Message Edited by Jacque383 on 07-31-2007 08:36 PM

Anonymous · ‎07-31-2007

Photocopy of the money order, now that's original!!! Impressive!!!

Anonymous · ‎07-31-2007

Congratulations and that is very impressive the money order thing..You go....

Anonymous · ‎07-31-2007

WOW!! That's great. These forums are great. I have 14 inquiries. Don't think I'll get mine off because some are phone, direct tv, banking, finance etc. 8 will come off by 12-08. I can't wait for the day for me to say whoopeee!!! My scores are up. I'm excited for you..