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[dingman29]

Hello,

I have started paying and attempting to fix the mistakes I made in my teens and early twenties, along with a layoff that set me back quite a bit, that haunt me to this day.  Student Loans, hospital bills, payday loan, cable and internet bills from living with roommates. 

If there is a bright spot to all of this mess, I have a JCP and Dell account due to be deleted this month.  My student loans are garnished from my paycheck (which is fine by me considering the garnishment is significantly lower than the payment would be. 

I sent dispute letters to the 3 credit bureaus.  Unfortunately the address for Experian I looked up was incorrect, so I have to resend that letter.  Equifax did have the other bureau's addresses in the packet.

  I did receive a letter from Equifax.

>>>2 accounts were deleted from my report. 

>>>Sallie Mae Accounts read: The status of this account has been updated.  The Prior Paying history on this account has been updated.

            These show as making previous payments that I did not make. However USA Funds which is handling the account now didn't show a garnishment.  Should that be considered a payment?

>>>Frontier Communications reads:  This creditor has verified to OUR company that the current status is being reported correctly.  This creditor has verified to OUR company that the prior paying history is being reported correctly.

             This shows as $315 past due and $115 balance.  Shows I made 2 payments that I did not make.

>>>Credit card account read: The status of this account has been updated.  The Prior Paying history on this account has been updated.

              This shows a payment after it was charged off

I returned equipment to Comcast and made sure I got a receipt (which I saved AND scanned--heard horror stories about these guys), and they removed the collection agency account from my credit report.  They seem like they are more than willing to accept payments at the office, so that's a plus.

Did a pay for delete for some dental bills I had.  Received a letter stating they will remove if all accounts are paid in full.  Sent money order certified mail (filed receipts) and pulled a report 2 weeks later and it was updated to PAID and not deleted.  What next??

I also sent a check for one of my hospital bills instead of the collection agency.  They cashed it and haven't heard anything from the collection agency.

I am still waiting on the other disputes.  If I got this right, I need to send a letter asking for the proof of verification.  Is there a time limit on it?  Should I wait until I have all 3 dispute results to show up before.  Its going to be another 30 days to resend the Equifax letter.

Appreciate all the help!!
Chris

[shanac]

Congrats on getting the two accounts deleted! Any updates since you posted this?

[guiness56]

If you have a letter stating they would delete, contact them and see what they have to say.

If they aren't going to delete file a complaint with the BBB for poor business practices.

I would send a direct dispute to the ones showing you made payments.

[dingman29]

thank you

remailed the experian letter 5/8- expected delivery is 5/11

still haven't heard from TransUnion... mailed 4/11 and delivered 4/15... so if i don't hear from them, i will be sending a follow up letter...

will keep updating

[dingman29]

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@guiness56 wrote:

If you have a letter stating they would delete, contact them and see what they have to say.

If they aren't going to delete file a complaint with the BBB for poor business practices.

I would send a direct dispute to the ones showing you made payments.

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I DO have the letters... I made sure to keep all original letters, receipts, and credit reports.  I even scan all letters as an extra measure (and to keep from digging in the file cabinet)

didn't even think of going the BBB route-- i'll be sure to send that...

as for the direct dispute, are you talking about the PFD accounts??

[guiness56]

No, the one where it says you made payments you didn't make.

[InvincibleSummer3]

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@guiness56 wrote:

No, the one where it says you made payments you didn't make.

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Although - if OP's being garnished for student loans, wouldn't that perhaps show up as a payment?

[guiness56]

This one:

Frontier Communications reads:  This creditor has verified to OUR company that the current status is being reported correctly.  This creditor has verified to OUR company that the prior paying history is being reported correctly.

             This shows as $315 past due and $115 balance.  Shows I made 2 payments that I did not make.

[InvincibleSummer3]

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@guiness56 wrote:

This one:

Frontier Communications reads:  This creditor has verified to OUR company that the current status is being reported correctly.  This creditor has verified to OUR company that the prior paying history is being reported correctly.

             This shows as $315 past due and $115 balance.  Shows I made 2 payments that I did not make.

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I haven't been garnished for a student loan so I wasn't sure how that reported. Also, I think there was a payment after charge off on the OP's credit card...that's weird.

[guiness56]

Only if OP paid it after it was CO'd.  No other way for a payment to have been made.

I would send a direct dispute to both the CC and Frontier Communications.

If you need help with the letter, let me know.