Hello! I am trying to rebuild my credit in order to get a mortgage in the next 3 years. And have a quick question. I am trying to get 3 new-ish medical bills removed from my TransUnion and Experian reports. All three were reported within the last 6 months and total about $600. Since they are fairly new and the CAs are still sending me notices, I am hoping that PFD letter will work. However, I am not sure if I should sign the letters or just type my name.
I also discovered a collection for the old Comcast account, opened in 2010, reported in 2012. I lived abroad between 2008 and 2012 and I am pretty sure that the only time I ever had Comcast was back in 2007-08. And the account was in my then boyfriend's, now husband's name. So that's where I have another question - what would be the best way to take that off my reports? Should I dispute directly with the CRAs since the account was not in my name? Can a CA report my husbands account as mine? Or should I send a DV letter and if so, should it be signed? And finally, if I do send a DV letter, what are the typical following steps?
Thank you for your help.
