My journey..Pls Help and come along for the ride!! :)

[Jarnog]

Thank you for the advice.  I will stick with the hospital, at the very least when I pay I can Dispute to get them removed....Right?

Also, with the DV should I send one letter for each account with them or can I/should I put all 6 in one letter? 

Thanks as always

[guiness56]

If they are supposed to have the accounts, unless the OC recalls them, no, you cannot dispute.  But from what I gather, they no longer deal with that CA.  If that is the case, the DV may take care of that.

I would write one DV and include all of the accounts in the letter. 

[Jarnog]

Update

Did what you suggested.  I got a DV letter written up with each of the accounts and got that sent off as of 3/18.

On a couple of good notes.  I got my Discover Secured IT Card.  $1000 limit, looks nice in the wallet.  Hasn't reported but only had it since this past Saturday.

Also, within the past 6 days I have had two Score Watch alerts about changes.  One was due to the fact that one account the balance increased this was like 6 days ago.  To my surprise when I checked here to see which one reported, I was greeted with a +20 point jump WOOP!!!! Today 3/18 I get another alert about a score change and it was coupled with a balance decrease in a card, another 3 points.

So with those 2 updates, I have gone from 551 (bad), to 571 (still bad but better), to 574...on EQ Score Watch.  Again not great numbers but considering that when I signed up late late Dec 2013 I was at 515, and I just started to get the pfd/dv/gw process going this week.  So overall pretty good....slow but steady steps!!!