03-15-2012 07:20 PM
Good for you! Once this new CC hits your reports, you will have an account that will help dilute the baddies on your reports.
03-30-2012 04:41 PM
Hello Everyone, today I got a reply from ARS Account Resolution Services of the HIPPA process. They provided me a letter of there own but no contractual agreement with OC. They also provided me a "Health Insurance Claim Form", with just my name, address, a doctors name, date of service, no signature just "SIGNATURE ON FILE", info of OC and the hospital.
1- Is that the correct way to verify the HIPPA?
2- Do I now continue with the next step of sending check or money order to OC?
LETTER THEY SENT ME:
Re: Account Number #####
As you are already aware, ARS represents the doctors who provide services in healthcare facilities throughtout the country. In response to your request for verification of debt we have enclosed your Health Insurance Claim form for your review. ARS has confirmthe outstanding balance of $359.00. This past due amount remains outstanding from services provided on the followingdate(s).
The account(s) are delinquent and have been reported to the credit bureaus.
Please remit payment in full to the address shown above.
04-02-2012 09:24 AM - edited 04-02-2012 09:31 AM
This account does not have any "Negative Indicator" and it's not under the "Collection" section based on MyFICO credit report. Does that mean I can just pay them in full so it won't go any further in affecting my credit, as of now it show as been 120 days late?
07-03-2012 04:28 PM - edited 07-03-2012 04:29 PM
Hello Guys, I haven't participated lately on the forum but have come in and out to check messages. This few things has happened since last update, including a second credit card.
RED = NEGATIVE
BLUE = GOOD NEWS
ORANGE = SCORE
**** March 30th 2012 ****
NOTE: MCM Inc. got on my Equifax & Experian credit report and have deducted about 30+ points. EXTREMELY unhappy.
**** April 30th 2012 ****
NOTE: MCM Inc. is hurting me alot. OUCHHHH
**** June 6th 2012 ****
NOTE: Cap One and Car Loan working for me to counter act on my negatives, specially MCM reporting.
NOTE: Got credit report from TransUnion
**** June 7th 2012 ****
Contacted MCM Inc. by email, and offered them a PFD of the FULL amount (1:33PM Eastern). Got a respond back, to please call the office to address my concern (4:56PM Eastern).
**** June 21st 2012 ****
NOTE: By the look of it, my credit is going back up.
Contacted MCM Inc, by phone and told me that they couldn't help me by phone to send my request by mail.
NOTE: Submitted application for a WellsFargo secured cards.
**** June 25rd 2012 ****
Mailed in the letter to MCM Inc. on my request. Waiting for a response.
**** July 1st 2012 ****
WellsFargo credit card came in. SECOND secured credit card.
07-09-2012 08:13 PM - edited 07-09-2012 08:20 PM
Today I received a letter from Midland Credit Management (MCM) that reads, "based on the information provided to us, we have instructed the three major credit reporting agencies to delete the above referenced MCM account from your credit file".
NOTE: I am extremely excited. It only took 1 week after they received my letter to get this trade line removed and to make things even better, it didnt have to pay them anything, say goodbye to a $454 account.
Ex PLUS Score has gone up from 598 to 637
DOUBLE YEAH BABY
07-16-2012 06:41 PM
Score increase on July 11th to 658 Eq MyFico
Today, score decrease on Ex to 604 from 637. WellsFargo got posted, OUCH
07-26-2012 05:54 PM
Great job Fresh101, your timeline is an awesome help....
May I ask for a PM of the letter you sent to Midland, so that I may have a rough draft on what I should send them!
Once again great job!!!
07-27-2012 08:04 AM
yesterday i pulled my report and have notice midland credit management is out and another collection that i hadb extremely happy but didnt see any change on my score. let see if in a month a see increase on the score.
08-18-2012 03:16 PM
Today Credit Score gone UP.
EQ MyFICO 663
TU MyFICO 695
08-18-2012 03:30 PM - edited 08-18-2012 03:30 PM
Midland Credit Management or whatever they call themselves Midland Funding, is out of ALL my CR.
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