11 Baddies and actions taken, need feedback if possible.

[Anonymous]

Arg! I keep messing up the post when I edit it.

Essentially, these are my debts and the action I have taken against them. Have I made any mistakes in my course of actions? Feedback is most appreciated.

Background: Was in the Air National Guard, and mistakenly thought Tricare would take care of my medical bills. Apparently they do, but only if you call them first and get their permission to visit an approved provider. The utilities in collection are a result of my irresponsibility, plain and simple.

Thank you guys so much for your advice... I thought my credit was a lost cause. For once, I hope I was wrong.


Mailed PFD letter on 4/25, offered 25%.

Ga Power
Status as of 01/2006
Date opened Not Reported
Date of last activity 08/2005
Date closed Not Reported
Account number Not Reported
Loan type Not Reported
Largest past balance $308
Terms Not Reported
Account Type Open Account
Account holder Individual
Scheduled payment amount $308
Account status Account is Open
Descriptions
* Collection account
* Utility





Mailed PFD letter on 4/25, offered 50%.

Scana
Status as of Mar, 2008
Date opened Dec, 2004
Date of last activity Jul, 2005
Date closed Not Reported
Account number Not Reported
Loan type Not Reported
Largest past balance $105
Terms Not Reported
Account Type Open Account
Account holder Individual
Scheduled payment amount $0
Account status Account is Open
Descriptions
* Account closed by consumer
* Charged off account





Emailed DV letter on 4/26, will CMRRR if no response by end of week.

Collection on debt to: Progressive Insurance-S.E.
The collection agency "Nco Fin/99" was hired to collect a debt of $132 originally owed to "Progressive Insurance-S.E." on account number "XXXXXXX".
Collection agency Nco Fin/99
Original balance $132
Current balance $132
Status Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's internal collection department
Date assigned 01/2006
Date reported Not Reported
Date last active Not Reported
Date paid Not Reported
Date closed Not Reported
Original lender Progressive Insurance-S.E.
Account number XXXXXX
Type of account Unknown
Account holder Not Reported
Type of credit Not Reported
Payment status Not Reported
Largest past balance Not Reported
Amount past due Not Reported
Account descriptions Not Reported





Have not taken action against this one yet. Last year, Experian said that this one is scheduled to remain on record until March 2008. However, its still there. I have mailed a dispute letter to the CRA, should I contact CA as well?

Collection on debt to: Verizon Wireless
The collection agency "Midland Cred" was hired to collect a debt of $308 originally owed to "Verizon Wireless" on account number "XXXXXXXXX".
Collection agency Midland Cred
Original balance $308
Current balance $308
Status Not Reported
Date assigned 11/2005
Date reported 4/2008
Date last active Not Reported
Date paid Not Reported
Date closed Not Reported
Original lender Verizon Wireless
Account number XXXXXXXXXXXX
Type of account Not Reported
Account holder Individual
Type of credit Not Reported
Payment status Not Reported
Largest past balance Not Reported
Amount past due Not Reported
Account descriptions Not Reported





Emailed DV letter on 4/26, will CMRRR if no response by end of week.

Collection on debt to: Windstream Communications Fka
The collection agency "Asset Accept" was hired to collect a debt of $198 originally owed to "Windstream Communications Fka" on account number "XXXXXXXXXXX".
Collection agency Asset Accept
Original balance $198
Current balance $205
Status Not Reported
Date assigned 04/2007
Date reported 04/2008
Date of Status 05/2007
Date last active Not Reported
Date paid Not Reported
Date closed Not Reported
Original lender Windstream Communications Fka
Account number XXXXXXXXXXX
Type of account Not Reported
Account holder Individual
Type of credit Not Reported
Payment status Not Reported
Largest past balance Not Reported
Amount past due Not Reported
Account descriptions Not Reported




Emailed DV letter on 4/26, will CMRRR if no response by end of week.

Collection on debt to: Constant Care
The collection agency "Credit Bureau Associates of Georgia" was hired to collect a debt of $56 originally owed to "Constant Care O" on account number "XXXXXXX".
Collection agency 177yc00040
Original balance $56
Current balance $56
Status Unpaid
Date assigned 12/2005
Date reported 01/2008
Date last active 12/2004
Date paid Not Reported
Date closed Not Reported
Original lender Constant Care O
Account number XXXXXX
Type of account Not Reported
Account holder Individual
Type of credit Not Reported
Payment status Not Reported
Largest past balance Not Reported
Amount past due Not Reported
Account descriptions Not Reported
Collection on debt to: Not Reported





Since the medical bills listed below were all from the same OC, and housed in the same CA, I mailed one PFD letter on 4/25, offered 25%. Since CBV is a local CA, I didn't think DV would work.

Collection on debt to: South Georgia Medical Center
The collection agency "Cbv Collections Inc" was hired to collect a debt of $126 originally owed to "Emergency Medicine South" on account number "XXXXXXXX".
Collection agency Cbv Collections Inc
Original balance $126
Current balance $126
Status Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's internal collection department
Date assigned 11/2006
Date reported 01/2007
Date of Status 01/2007
Date last active Not Reported
Date paid Not Reported
Date closed Not Reported
Original lender Emergency Medicine South
Account number XXXXXXXXXX
Type of account Unknown
Account holder Not Reported
Type of credit Not Reported
Payment status Not Reported
Largest past balance Not Reported
Amount past due Not Reported
Account descriptions Not Reported



Collection on debt to: Emergency Medicine South
The collection agency "Cbv Collections Inc" was hired to collect a debt of $126 originally owed to "Emergency Medicine South" on account number "XXXXXXXXX".
Collection agency Cbv Collections Inc
Original balance $126
Current balance $126
Status Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's internal collection department
Date assigned 01/2006
Date reported 04/2006
Date of Status 04/2006
Date last active Not Reported
Date paid Not Reported
Date closed Not Reported
Original lender Emergency Medicine South
Account number XXXXXXX
Type of account Unknown
Account holder Not Reported
Type of credit Not Reported
Payment status Not Reported
Largest past balance Not Reported
Amount past due Not Reported
Account descriptions Not Reported



The collection agency "Cbv Collectins Inc" was hired to collect a debt of $170 originally owed to "Emergency Medicine South" on account number "XXXXXXX".
Collection agency Cbv Collectins Inc
Original balance $170
Current balance $170
Status Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's internal collection department
Date assigned 11/2002
Date reported 07/2002
Date of Status 06/2002
Date last active Not Reported
Date paid Not Reported
Date closed Not Reported
Original lender Emergency Medicine South
Account number XXXXXXX
Type of account Unknown
Account holder Not Reported
Type of credit Not Reported
Payment status Not Reported
Largest past balance Not Reported
Amount past due Not Reported
Account descriptions Not Reported



The collection agency "Cbv Coll" was hired to collect a debt of $125 originally owed to "Med1 So Ga Medical Center" on account number "XXXXXXXXXXX".
Collection agency Cbv Coll
Original balance $125
Current balance $125
Status Not Reported
Date assigned 07/2003
Date reported 07/2002
Date of Status 07/2002
Date last active Not Reported
Date paid Not Reported
Date closed Not Reported
Original lender Med1 So Ga Medical Center
Account number XXXXXXX
Type of account Not Reported
Account holder Individual
Type of credit Not Reported
Payment status Not Reported
Largest past balance Not Reported
Amount past due Not Reported
Account descriptions Not Reported
Collection on debt to: Med1 Emergency Medicine South


The collection agency "Cbv Coll" was hired to collect a debt of $45 originally owed to "South Georgia Medical Center" on account number "XXXXXXXXXXX".
Collection agency 872ya00000
Original balance $45
Current balance $45
Status Unpaid
Date assigned May 01, 2007
Date reported Jul 01, 2007
Date last active May 01, 2006
Date paid Not Reported
Date closed Not Reported
Original lender Not Reported
Account number XXXXXXX
Type of account Not Reported
Account holder Individual
Type of credit Not Reported
Payment status Not Reported
Largest past balance Not Reported
Amount past due Not Reported
Account descriptions Not Reported

Message Edited by sadiek58 on 04-27-2008 12:24 PM

Message Edited by sadiek58 on 04-27-2008 12:28 PM

Message Edited by sadiek58 on 04-27-2008 12:28 PM

[Anonymous]

As far as the DV letters...you have to give them 30 days to verify...before you dispute no response back to the CRA...and you sent out the PFD...that's all you can do...wait for a response...them post their responses to the PFD... it's a waiting game...you have to just sit back and wait for now...

[Anonymous]

Can I count down 30 days from the date I sent the email, or do I need something more substantial than an email, like a CMRRR?

I sent the emails to the following addresses:

NCO: mike.barrist@ncogroup.com

Asset Acceptance: customerservice@assetacceptance.com

Credit Bureau Associates of Georgia: I filled out a form on their website, which stated that collection issues could not be discussed through electronic means. So, either they'll send me back something via snail mail, or I will CMRRR ad DV to them.

[Anonymous]

Gratuitous /bump.

[Anonymous]

These are Small amounts Hopefully u will get gr8t settlement offers and the old ones thts 5yrs old u knw they fall off in7yrs unless yr trying to buy a house and also u need to find out yr states SOL...(statue of Limitations) where they cant sue you in Miss. where I live its 3 yrs!!! but definetly pay them it looks better on your report and also u can list a personal statement on your CR stating why you have the outstanding medical bills! GL....

[Anonymous]

Let me know how you fair with Scana.  I have $51 CO.  I sent PDF for $51.  First, I received a general letter that they were not a collection agency.  Then, I called to state that I did not indicate that they are a CA.  I was told that they do not do courtesy deletion. I explained that I closed the account and I was not aware I still owed and did not want this to continue on my credit report until 2012 for $51. Still would not burge.  I am going to send a PDF to someone higher up.

[Anonymous]

/bump for input.

Thank you.

[Anonymous]

Hopefully you DV all 3-CRA. If no response within 30-days then call each one or the one's you DV. Tell them 30-days dispute is over but be nice.,you may find they will be very little help. As soon as you hang up send letter of non compliance with FCRA violation note to each one certified mail.

Don't EVER do over 4-DV at once they will can them and mark them as frivolous and give you no response. Also beware that Equifax and Experian over the past few months have been exchanging collection information on consumer reports

Also make sure you get any PFD in writing prior to paying. I have found that some will work with you but most want 100%. Any that may not accept call and speak with someone who can make decisions, also don't tell them you are trying to make a major purchase Home/Car etc, if this is case or not. 

Also when you dispute pay close attention to the Last Reporting Update DV the older updates first. In the event some or not removed wait 60-days and DV again again. Also print copies of each  report now you may have to prove dates later. You may find some collection agencies don't play by the rules and will change the date of last activity to include other tricks that will make the baddies stay more than 7-years, I have also seen them make entries on the lines to lower your scores well.

The key is keep disputing atleast 2-accounts every 60-days. If initial dispute was removal not mine and it does not remove. Then 60-days do verification of SS#, then next 60-Date of Last Activity and so on. Eventually with the mix of PFD and removals with persistence you will regain credit. I know from exp.

EQ 669  TU 676  EX 665 and still workingon mine 2.5 years now. 2-collections to go had more than you with alot more $ and big companies. Good Luck.