Need some help and suggestions

[juice]

ucb collections:  date reported  09/2010 ; date assigned 07/2010 ; date of first delinquency 02/2010 ;  balanced owned: $224 ( medical )

anderson financial :  date reported  08/2010 ; date assigned 07/2010 ; date of first delinquency 06/2010 ;  balanced owned: $192 ( utilities ) Payed in full agreed to delete off transunion already

escallate llc: :  date reported  07/2010 ; date assigned 04/2010 ; date of first delinquency 01/2010 ;  balanced owned: $640 ( medical )

ucb collections:  date reported  07/2010 ; date assigned 06/2010 ; date of first delinquency 01/2010 ;  balanced owned: $810 ( medical )

w.c.i:  date reported  03/2010 ; date assigned 01/2010 ; date of first delinquency 06/2009;  balanced owned: $447 ( utilities )

escallate llc: date reported  07/2009 ; date assigned 05/2009 ; date of first delinquency 03/2009 ;  balanced owned: $210 (medical)

escallate llc:  date reported  07/2010 ; date assigned 05/2009 ; date of first delinquency 02/2009 ;  balanced owned: $463 (medical)

credit protection:  date reported  02/2009 ; date assigned 09/2008 ; date of first delinquency 08/2008 ;  balanced owned: $86 (cable)  "Payed in full" No luck getting deleted yet

526 credit score on experian, 80% of revolving debt being used

Another question should i wait for H.R 3419 or should i tackle medical debt now.

[RobertEG]

Not directly related to your post, but I see somthing that raises questions in my mind.

On most of these collection accounts, you show a time period of as little as 2-3 months from the DOFD to debt collector assingment of collection authorty, and all within about 6 months.

That is an unusually quick trigger hand in the part of the OC.  Usually they will wait at least three months before closing an account and even doing a charge-off.

Then collection referral follows a month or two later.

So, those DOFDs on the OC accounts look a bit fishy to me.  Are you sure of them?

They are important, because CRA drop off dates for collectons, and maybe your SOL, are usually determined based on your DOFD.

[britishbooklady]

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@juice wrote:

Another question should i wait for H.R 3419 or should i tackle medical debt now.

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Don't wait on the medical debt...go ahead and start the HIPAA process now because it's likely to take some time. I put it off and am now wishing I'd started a lot sooner.

I have 3 medical collections...all with the same CA. I sent the pre-HIPAA letter to both EX & TU on 2 of them (the 3rd is actually for a dentist and I wasn't sure it was covered under HIPAA). Anyway, TU deleted both of them within a week of receiving my letter. I'm still waiting to hear back from EX. I sent out a pre-HIPAA for the 3rd (dental) a few days ago and am hoping for a deletion for it as well, since it is only reporting to TU.

Good luck...

[juice]

Thank You

[juice]

has anyone delete with escallate llc are they usually willing to pfd instead of going threw the whole hippa process

[juice]

I mean dealt

[Anonymous]

MEADE & ASSOCIATES
Agency Address:	737 Enterprise Dr Westerville, OH 430818850 (614) 436-6160
Date Reported:	02/2011
Date Assigned:	08/2010
Creditor Classification:
Creditor Name:	DOCTORS HOSPITAL
Account Number:
Account Owner:	Individual Account.
Original Amount Owned:	$180
Date of 1 st Delinquency:	03/2009
Balance Date:	02/2011
Balance Owned:	$180
Last Payment Date:	N/A
Status Date:	02/2011
Status:	D - Unpaid
Comments:	Consumer disputes this account information, Collection account

MEADE & ASSOCIATES
Agency Address:	737 Enterprise Dr Westerville, OH 430818850 (614) 436-6160
Date Reported:	02/2011
Date Assigned:	08/2010
Creditor Classification:
Creditor Name:	DOCTORS HOSPITAL
Account Number:
Account Owner:	Individual Account.
Original Amount Owned:	$718
Date of 1 st Delinquency:	02/2009
Balance Date:	02/2011
Balance Owned:	$718
Last Payment Date:	N/A
Status Date:	02/2011
Status:	D - Unpaid
Comments:	Consumer disputes this account information, Collection account

ESCALLATE, LLC
Agency Address:	5200 STONEHAM RD STE 200 NORTH CANTON, OH 44720-1584
Date Reported:	12/2010
Date Assigned:	05/2009
Creditor Classification:	Medical/Health Care
Creditor Name:	EMP OF FRANKLIN COUNTY LTD
Account Number:
Account Owner:	Individual Account.
Original Amount Owned:	$210
Date of 1 st Delinquency:	03/2009
Balance Date:	12/2010
Balance Owned:	$210
Last Payment Date:	N/A
Status Date:	12/2010
Status:	D - Unpaid
Comments:	Consumer disputes this account information, Medical

ESCALLATE, LLC
Agency Address:	5200 STONEHAM RD STE 200 NORTH CANTON, OH 44720-1584
Date Reported:	12/2010
Date Assigned:	05/2009
Creditor Classification:	Medical/Health Care
Creditor Name:	EMP OF FRANKLIN COUNTY LTD
Account Number:
Account Owner:	Individual Account.
Original Amount Owned:	$463
Date of 1 st Delinquency:	02/2009
Balance Date:	12/2010
Balance Owned:	$463
Last Payment Date:	N/A
Status Date:	12/2010
Status:	D - Unpaid
Comments:	Consumer disputes this account information, Medical

ESCALLATE, LLC
Agency Address:	5200 STONEHAM RD STE 200 NORTH CANTON, OH 44720-1584
Date Reported:	12/2010
Date Assigned:	04/2010
Creditor Classification:	Medical/Health Care
Creditor Name:	EMP OF FRANKLIN COUNTY LTD
Account Number:
Account Owner:	Individual Account.
Original Amount Owned:	$640
Date of 1 st Delinquency:	01/2010
Balance Date:	12/2010
Balance Owned:	$640
Last Payment Date:	N/A
Status Date:	12/2010
Status:	D - Unpaid
Comments:	Consumer disputes this account information, Medical

UCB COLLECTIONS
Agency Address:	5620 Southwyck Blvd Toledo, OH 436141501 (800) 876-6729
Date Reported:	12/2010
Date Assigned:	11/2010
Creditor Classification:	Medical/Health Care
Creditor Name:	DOCTORS HOSPITAL
Account Number:
Account Owner:	Individual Account.
Original Amount Owned:	$1,852
Date of 1 st Delinquency:	02/2010
Balance Date:	12/2010
Balance Owned:	$1,852
Last Payment Date:	N/A
Status Date:	12/2010
Status:	D - Unpaid
Comments:	Medical

W.C.I.
Agency Address:	PO Box 97029 Redmond, WA 980739729
Date Reported:	12/2010
Date Assigned:	01/2010
Creditor Classification:
Creditor Name:	AMERICAN ELECTRIC POWER SERVIC
Account Number:	2594XXXX
Account Owner:	Individual Account.
Original Amount Owned:	$447
Date of 1 st Delinquency:	06/2009
Balance Date:	12/2010
Balance Owned:	$447
Last Payment Date:	N/A
Status Date:	12/2010
Status:	D - Unpaid
Comments:	N/A

UCB COLLECTIONS
Agency Address:	5620 Southwyck Blvd Toledo, OH 436141501 (800) 876-6729
Date Reported:	09/2010
Date Assigned:	07/2010
Creditor Classification:	Medical/Health Care
Creditor Name:	DOCTORS HOSPITAL
Account Number:
Account Owner:	Individual Account.
Original Amount Owned:	$224
Date of 1 st Delinquency:	02/2010
Balance Date:	09/2010
Balance Owned:	$224
Last Payment Date:	N/A
Status Date:	09/2010
Status:	D - Unpaid
Comments:	Medical

UCB COLLECTIONS
Agency Address:	5620 Southwyck Blvd Toledo, OH 436141501 (800) 876-6729
Date Reported:	07/2010
Date Assigned:	06/2010
Creditor Classification:	Medical/Health Care
Creditor Name:	DOCTORS HOSPITAL
Account Number:
Account Owner:	Individual Account.
Original Amount Owned:	$810
Date of 1 st Delinquency:	01/2010
Balance Date:	07/2010
Balance Owned:	$810
Last Payment Date:	N/A
Status Date:	07/2010
Status:	D - Unpaid
Comments:	Medical

[Anonymous]

My old account was juice but lost my password. I have had some good news and bad news.  Good news first I had luck gw Insight for the credit protection collections and got it removed, afni agreed to pfd which helped out alot. Now to the bad news my last two medical bills hit my credit report  so i got rid of two utility bills in exchange for two more medical. My credit score has gone up 40 points from 525 to 565 I still have four unsecured credit cards my utilization is 81%. I will pay all 4 off withen 10% this upcoming week which should help out alot... Any expert have any other opinions on how i can tackle the medical bills or other ideas?