Complicated Situation (I Think). Please Help. Not Sure Where to Start.

[Anonymous]

I Have Four Small baddies on my CR. They are all with the same collection agency but for different things. One is $166 for a vet bill, one for $10 (medical I think), one for $25 (medical), and one was for $25 (medical) that I paid off. How should I begin trying to repair this situation. The oldest is the vet bill from 2005, the newest (the one I paid off) was in Feb of this year. Should I deal with the medical collections differently even though it is the same CA for all of them, or should I try and deal with them all at once with the CA? Also, this CA is only reporting reporting agency. This is why there is a 60 point difference between my top and bottom scores.

Thanks 

[Lakers]

I don't know much, but I know that medical debt is different from regular debt.  Google HIPPA process. 

[RobertEG]

If they are all paid collections, then you have no outstanding debt remaining for those accounts. They are closed, but not delted.

So, nothing to dispute.

Your focus now should be on askiing for good-will (GW) deletion.   Deal with each account separately. GW letters are at their discretion to consider or grant.  They are first read by a clerk.  If you throw two, three, or four requests into the same letter for unrelated accounts, it is likely to that Mr Clerk will shorten his workload by simply putting your GW request in his or her circular file/trash can.

[Anonymous]

Only one has been paid. I guess my primary question was whether or not to deal with each collection separately even though the CA is the same. It sounds like I should. Here is my plan. Any feedback regarding this plan would be appreciated.

1) PFD vet collection of 166.00

2) HIPPA medical collections of 10.00 and 25.00

3) GW paid collection of 25.00

[Anonymous]

 I just want to make sure that I don't srew up my chances at the beginning.

[BungalowMo]

Who is the CA???  We can likely tell if they are a GW friendly agency!

[Anonymous]

CBCS Collections is the CA. The dates are when the bills went to collections.

2/10 - Paid off $25 balance a little over a month ago 

6/09 - $25 past due (MD appt)

2/06 - $10 past due (MD appt)

6/05 - $166 past due (vet bill)

Thank you for the help!

[BungalowMo]

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@Anonymous wrote:

CBCS Collections is the CA. The dates are when the bills went to collections.

2/10 - Paid off $25 balance a little over a month ago 

6/09 - $25 past due (MD appt)

2/06 - $10 past due (MD appt)

6/05 - $166 past due (vet bill)

Thank you for the help!

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Sorry, but what does CBCS stand for? 

[Schoolbuskid]

I've dealt with CBCS and they will delete. Good Luck!

[Anonymous]

Good to know, SchoolBus. Thanks for the well wishes and the info. Not sure what CBCS stands for (no indication on website) but it is based in Columbus, Ohio and is a major CA. Has anyone else had experience in dealing with CBCS as far as getting items removed from CR? If so, do you have any suggestions for me. I greatly appreciate it. I'm working on putting together a strategy for getting my derogs knocked out soon.