SOL has passed. Haven't not received any documentation on this account in 5+years. Collection just showed up on my EX report. What do I need to do to try and get this removed with the age of this collection?   Thank you. ... View more

  Credit - TU -683, EQ - 745. No lates since 04, PIF medical collection 2-09 (trying to get removed thru HIPPA process), Charged off electric bill from 2004 $300, Unpaid Medical bill $1700. Utliz is around 40% on 3 cards (going to try and cut to 20% this month) Income -  4500 gross a month Employment - 5 years at the same company Monthly debt payments - Car payment $286, CC $45 min payment, School loan $64, Furniture $65   Assets/Reserves - 3.5% down for FHA. I have an addtion 2k in savings. Location - Tx, Taxes est $3,200-3,600 Property - SFR Value - Currently priced at 142k, Seller will contribute 3k in CC Occupancy - Primary residence Transaction Type - Purchase ... View more

4 months later of sending GW letters, started the HIPPA process and finally got this collection removed from my credit report.   Should I see a big change in my score now that this is removed? I know collections tend to bring your score down but since this was back in 05 I would think it really doesnt have much weight. ... View more

Credit - TU -704, EQ - 669. No lates since 04, PIF medical collection 2-09 (trying to get removed thru HIPPA process), Charged off electric bill from 2004 $300, Unpaid Medical bill $1700. Utliz is around 10-15% on 3 cards.  Income - 3420 gross a month Employment - 5 years at the same company Monthly debt payments - Car payment $286, CC $45 min payment, School loan $64   Assets/Reserves - 3.5% down for FHA. I have an addtion 2k in savings. Location - Tx, Denton County, Taxes est $3800 Property - Townhome Value - Currently priced at 135k, Seller will contribute 3k in CC Occupancy - Primary residence Transaction Type - Purchase Message Edited by 700bound09 on 06-01-2009 12:56 PM ... View more

I'm debating if I should go ahead and DV if not start the HIPPA process on this. I've viewed some posts in the past that show that if you have any collection past 4 years to not bother with and leave alone.   I'm wanting to app for a mortgage and know that some lenders what these paid out etc. I really dont want to risk paying these and have my credit score drop because of this..   What should I do? ... View more

Paid medical collection. Decided to start the HIPPA process.   I've opted out of my credit reports etc.   I've updated my information with the CRA's.   Sent off the HIPPA letter to EX, TU, EQ.   Experian comes back and states that this is verifed and accurate???   What now? I was able to get TU and EQ to remove this but only EX decided to not remove this.     Any advise would be great. Message Edited by 700bound09 on 05-18-2009 05:48 PM ... View more

I'm in the process of trying to remove a paid collection (medical) and a charge off (electric bill $300 unpaid bill)  before applying for a FHA mortgage. I've read other posts where some lenders require you to pay off collections. Does that apply also for charge offs? I don't want invest in paying that and this effect my credit. This comes off in 2 years from my report.   Also, with this lingering on my credit should I be concerned about getting approved? I have other compensating factors, 680+ EQ and TU, low DTI, 3.5% down payment, reserves, good income. Also, no lates in the last 24 months, last 30 day late was back in 04. Message Edited by 700bound09 on 05-14-2009 01:56 PM ... View more

Is the med collection on your reports? Yes Is it paid or unpaid? Unpaid If paid, who did you pay, the OC (original creditor: doctor, dentist, hospital, etc.) or the CA (collection agency)? If unpaid, do you have the money to pay it off in full? No Do you remember the date(s) of treatment? Yes Have you ever disputed the med collection? If yes, when and how? No If you did dispute the collection, is it currently marked as "disputed and/or verified" on your report(s)? Have you ever requested debt validation from the CA? No   Back in 04, I went to the emergency room and was treated for servies. I had recently started a new position and was covered but had no insurance card to give the hospital etc. I advised them that I was with XXX insurance and gave them the # for verification. What paperwork I thought I had I must of thrown away etc from the date of rendered services (for records on my behalf) Months went by and I had received a denial claim from my previous insurance carrier for services rendered back in 04. What had happened is the hospital filed under the wrong insurance company and did not file under the correct insurance company. This has now appeared on my credit report and I'm in the process of cleaning this up to apply for a mortgage. Now I have proof that I had coverage with my insurance company during the time services were rendered. How can I go about getting this removed from my report with or with out having to pay the full amt owed for the services rendered. Now since this wasn't filed with the correct insurance company shouldnt the hosiptal be at fault for this?   Also, would I need to remove this when applying for a mortgage? Any help would be appreciated.   Message Edited by 700bound09 on 05-08-2009 05:41 AM ... View more

Im in the process of looking for a home and need advice in regards to this since I may go FHA.   Had 6 loans that I defaulted early right after finishing school due to some financial issues. 2 of them ended up getting paid by claim in 01 and the other 4 I ended up rehabing and currently current on them.   Now my question, I know these have fallen off my credit report since they were paid by claim in 01, will these come up while applying for a FHA loan thru CAIVRS? Since they were paid by claim I guess these were federal loans.   Any help would be great. ... View more

Im in the process of looking for a home and need advice in regards to this since I may go FHA.   Had 6 loans that I defaulted early right after finishing school due to some financial issues. 2 of them ended up getting paid by claim in 01 and the other 4 I ended up rehabing and currently current on them.   Now my question, I know these have fallen off my credit report since they were paid by claim in 01, will these come up while applying for a FHA loan thru CAIVRS? Since they were paid by claim I guess these were federal loans.   Any help would be great. Message Edited by 700bound09 on 04-22-2009 07:27 PM ... View more