11-28-2012 01:18 PM
11-28-2012 01:19 PM
Grant and Weber has been the toughest one yet. ..they would not budge on Hippaa process and my collection rep stated that if you can do a PFD but then they would not delete BUT I spoke to a supervisor who when I wanted to go over every little payment I made and how it did not add up he got frustrated with me (ha ha) and did a PFD and they dropped off (2 so far, waiting for last one and counting ..5 days)
If you need a contact, let me know..
Thanks a bunch for your response. Very helpful!
I am in the HIPAA process with Grant and Weber right now. They have deleted all besides 1 med collection on my CR (grrrr ) and won't budge on the 1 med collection on DH CR (double grrrr ) I was just wondering if it were better to PFD vs. go through HIPAA. However, from what you have mentioned I think I will keep at it with HIPAA (for now).
However, if you can please PM your contact to me for Grant & Weber, I'd surely appreciated it. JIK things don't work out with HIPAA.
Thanks again and enjoy your new home!!! DH and I are repairing credit for the same goal! Homeownership ahhhhhh
11-28-2012 01:23 PM
11-28-2012 02:17 PM
I would not give up on the HIPAA process, it worked on several of my accounts..if it doesn't work remember..a PFD with Grant and Weber states they will not remove BUT if you speak to a supervisor they have all the ability to do whatever they want, a PIF will surely delete with a Promise but I was unable to get anything in writing with them, I had to take their word for it and they followed through (thank goodness) ..this last one is the one that the supervisor did a PFD and settled for a lesser amount, I still have 5 days to go to make sure his word is solid. I will keep you posted..
I will PM you my contact but she was strict with the rules, make sure if you call to speak to a supervisor, do not give any info, not your account number or last name..state you ONLY speak to a supervisor and that is it. They have the only power to do anything.
Play hard ball..
11-28-2012 04:22 PM
Wait..so they will do a PFD if I PIF? That's good to know.
I am actually a bit confused as to what to do next regarding HIPAA. I have done the pre-dispute letter. They erased all medical collections but 1 ($1,800) and 1 other on DH CR (about the same amount). How did you proceed? Have you gone through the HIPAA process with Grant & Weber?
Please send PM with your contact and I'll be on the look out for an update!
11-28-2012 10:40 PM
07-27-2013 06:16 AM
07-27-2013 07:10 AM - edited 07-27-2013 07:11 AM
Fico has no memory of what you use during the month only a snap shot. So if you max out your credit card and PIF on or before the due date then once the statement is cut it will report to the CRA's as showing a $0 bal. Fico does not like that cause it looks like your not using your cards. If you have multiple cards I would suggest keep all but one card at a $0 bal and the others between 1-9% UTIL then rotate each month.
07-27-2013 10:54 AM
07-27-2013 11:36 AM