Rebuilding Your Credit

[fused]

Good for you! Once this new CC hits your reports, you will have an account that will help dilute the baddies on your reports.

[Fresh101]

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:

Date: 3/28/2012

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).

4/3/2009

The account(s) are delinquent and have been reported to the credit bureaus.

Please remit payment in full to the address shown above.

Best Regards,

NO SIGNATURE

typed name

Director

[Fresh101]

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?

[Fresh101]

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.

CREDIT UPDATE:

Eq 598

**** April 30th 2012 ****

NOTE: MCM Inc. is hurting me alot. OUCHHHH

CREDIT UPDATE:

Ex 589

**** 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

CREDIT UPDATE:

Tr 613

**** 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.

CREDIT UPDATE:

Eq 624

**** 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.

[Fresh101]

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.

SCORE UPDATE:

Ex PLUS Score has gone up from 598 to 637 

DOUBLE YEAH BABY

[Fresh101]

Score increase on July 11th to 658 Eq MyFico

Today, score decrease on Ex to 604 from 637. WellsFargo got posted, OUCH

[FedUp090909]

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!

Thank you

Once again great job!!!

[Fresh101]

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.

[Fresh101]

Today Credit Score gone UP.

EQ MyFICO 663

TU MyFICO 695

[Fresh101]

Midland Credit Management  or whatever they call themselves Midland Funding, is out of ALL my CR.