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!
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 $55 KD closed account from a library account. This reporting caused my FICO to plunge 37 points.
Hi, I just spoke with a debt collector and they explained to me that it's against the law to remove a debt from your credit report, unless you disputed it and won. that's the only way it can be removed. So I guess my question is how were you guys able to get this debt removed? thanx -J
Use whatever dollar amount your balance is unless you want to settle for less than full amount. In that case, use that dollar amount. I would suggest reading up on the ramifications of settling for less than owed though, if that's what you want to do.
Just one question, In the example letter you mention paying the account in FULL and also attaching 25.00$ 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!