07-17-2007 07:31 PM
First Post - new here as well, great forums! I am going to use this sample for two medical claims I just discovered when pulling my reports on this site. Both seem to have been in my wife's name but since I was the primary on the insurance they are showing up on my reports.
1. In addition to the PFD to the CA should I also dispute the records directly with all three CRAs?
2. Can I dispute them with the CRAs on the grounds that they were my wife's accounts?
Thanks in advance!
07-29-2007 03:08 PM
07-29-2007 09:05 PM
07-30-2007 06:58 AM
Hi Tuscani, this is a great letter. I would like to send this PFD letter to the CA who reported my account to two credit bureaus. If they deny my request, do you think it's likely they will also report to the third bureau as well? I have a $55 KD closed account from a library account. This reporting caused my FICO to plunge 37 points.
07-31-2007 10:51 AM
07-31-2007 10:52 AM
Hi, I just spoke with a debt collector and they explained to me that it's against the law to remove a debt from your credit report, unless you disputed it and won. that's the only way it can be removed. So I guess my question is how were you guys able to get this debt removed? thanx -J
08-09-2007 10:35 AM
08-09-2007 11:30 AM
Use whatever dollar amount your balance is unless you want to settle for less than full amount. In that case, use that dollar amount. I would suggest reading up on the ramifications of settling for less than owed though, if that's what you want to do.
Just one question, In the example letter you mention paying the account in FULL and also attaching 25.00$ I just want to make sure that is in ADDITION to your account balance or should I replace the 25.00 with the amount owed. Thanks in advance!
08-09-2007 12:23 PM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.