Since November I have resolved 56 collections/derag from my accounts (129 when you take all three cra into account. I mean these puppies are GONE, vamoos, outtdahere .. and my score has only risen approximately 45 points across the board. The amounts were between $3500 and $35. They have vanished into the thin particles of the rariefd air of the FICO galaxy. On an average these were somewhere between 2 and 5 years old, but my entire credit history is 24 years. Why hasen't this raised my score more? btw for the most part the above negatives were related to husbands medical bills at the time of his death, where the providers just incorrectly billed insurance and in spite of being repeatedly informed of how to correct it, just threw it into collection. Also, on three accounts on my Eq this occurs: under "Negative Accounts" section it displays two segments: "Open Accounts" statement: "never late, pays as agreed" (then when you click to "more info" and it shows one white space and one space from five years ago that says "30") altho there is no notation of "30 days late" when you do a 3-1 pull. Under "Closed Accounts" it shows two accounts with the same company, doing the very same thing, "never late, pays as agreed" and then you open the detail and only on one does it show a "30" under July 05, the month my husband died. Also, the accounts are noted as "closed at customers request" (i closed them 3-4 years ago, when because of the medical bills my cl went from $9K to $300), I have written GW letters in the last weeks hoping these folks will honor my otherwise excellent records and remove them but who knows. I have spent at least 200 hours over the last 7 weeks getting this str8t. ONE LAST THING: besides stating the obvious, that these collection agencies are xx!#X#!, the unimaginable happened last night. I discovered that Oxford Management, had without my consent, permission, knowledge, voodoo dance or bowing to the queen, paid off a $781.96 bill with the credit card I had given them to pay a $293.21 bill. This 700+ bill has been w/d from the oc, was never owed, and i didn't even know the ca had the old paper. I made notes of the conversation when I paid the $293 bill, in fact they offered to accept $105 as full payment, but I wanted it removed, which they would do for the full amount, i have the name and extension number of the person, whom I have been bugging him for the last 30 days to send me a verifying fax about the account being settled, (to no avail, duh) (shakes head in disqust.) he first said "I missed the fax deadline" then the next call "It was mailed" then the next and the next "It will be in the mail" and then last Thursday, swore it would go out "in the 3 o'clock faxes". I only discovered this yesterday when I was reviewing a new cc bill and I thought what is $766.86 to "paymybill"? she said to herself with surprise!?!?!! I am sure (clicks ruby red shoes and grabs Todo) this is federal wire fraud. When talking to a mgr at Oxford about this last night they wanted me to stop payment on my cc but I am afraid this will backfire on me, i want them to issue a credit, and fire the guy. I actually wanted him shot at sunrise. this was paper certergy sold to oxford mgmt. Any suggestions? helppppppppppppp......
