Most of those were collection accounts..
Medical collections- I have contacted the hospital billing department instead of collection agency they sent me to.
I asked them how many accounts do I have with them? They responded that I only had one. Then I asked them why did collection agency reported nine accounts when there is only one account with you. I told them that it was not legal to report same account number with different invoices as separate accounts.
They ended up removing everything from my report because I have threatened to go to AG office.
ATT and T-Mobile were disputed online and removed.
judgement - I went to the court house and asked them to update the judgement that it was included into the bankruptcy, I had to push for this!, they didn't really want to do it, but I told them that they had to because it was not reporting properly on my credit report and it needs to state on my report that it was included in to ch7. I have not filled a motion to vacate it. Waited 30 days, then sent a letter to eq tu ex and asked to remove the judgement because it was vacated. All three ended up removing after 30 days verification. EX was more pain then the other two.
Federal Credit Union loan - original lender before it became a judgement. - it was 6 years old account, just disputed it. Stated that it was more then 7 years old and needs to be removed, so they just removed it.
Car loan- late payments. It was an old account, so I just disputed that I was always on time, and they removed late payments.
The only problem I have is ;
HSBC Saks Fith ave account. No matter how I disputed this account, they did not change anything. It still shows charge off even after I have included it in ch7.
I need to send them a letter with ch7 discharge.
The second negative on my report is the public record to Bankruptcy.
