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Frequent Contributor
shorrttyycm1
Posts: 392
Registered: ‎03-29-2011

SO FRUSTRATED...Any Ideas???

Hi Everyone,

 

So here is my problem.  I filed Chptr 7 last year (medical) :smileysad: and have been doing damage control and trying to rebuild my shattered credit.  I have had ZERO luck with disputing this item:

 

 

Collection on debt to:

Med1 02 ***** Hospital

The collection agency "Amer Adj Bur" was hired to collect a debt of $317 originally owed to "Med1 02 ******Hospital" on account number "XXXXXXX".

Collection agency [?] Original balance [?] Current balance [?] Date assigned [?] Original lender [?] Account number [?] Account holder [?] Account descriptions [?]
Amer Adj Bur
$317
$0
Feb 01, 2007
Med1 02 ***** Hospital
XXXXXXX
Individual
Chapter 7 bankruptcy

 

 

Help, any ideas on how I should approach this?  Is this hurting my score alot as it is the ONLY collection listed and was from 2007.  Should I leave it alone or would it be worth it to try???  HELP PLEASE!

 

THANKS IN ADVANCE EVERYONE!!


Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


Take the FICO Fitness Challenge
Frequent Contributor
shorrttyycm1
Posts: 392
Registered: ‎03-29-2011

Re: SO FRUSTRATED...Any Ideas???

ANYONE???   

 

:smileysad:


Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


Take the FICO Fitness Challenge
Frequent Contributor
bruiseviolet
Posts: 416
Registered: ‎03-08-2011

Re: SO FRUSTRATED...Any Ideas???

Try "hipaa method"  you have to google it.  

►START March 2011 (FICO) EQ: 537 • EX: 551 • TU: 574 | 3 Collections | 34 Medical Collections | 2 Judgements | 1 Paid Collection | 11 name/address variations
►January 2012 (FICO) EQ: 564 • EX: 643 • TU: 576 | 1 Collection | 18 Medical Collections | 1 Judgement | 0 Paid Collections | 0 name/address variations
►February 2012 EQ:??? • EX:??? • TU: 580 | 0 Collections | 17 Medical Collections | 1 judgement | 0 Paid Collections | 0 name/address variations
►March 2012 EQ: 550 =(
Frequent Contributor
shorrttyycm1
Posts: 392
Registered: ‎03-29-2011

Re: SO FRUSTRATED...Any Ideas???

THANKS...I will google it...so frustrating!  I hear that they are VERY rude and hard to deal with :smileysad:


Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


Take the FICO Fitness Challenge
Frequent Contributor
bruiseviolet
Posts: 416
Registered: ‎03-08-2011

Re: SO FRUSTRATED...Any Ideas???

that's the beauty of HIPAA process-  you don't have to deal with them =P

►START March 2011 (FICO) EQ: 537 • EX: 551 • TU: 574 | 3 Collections | 34 Medical Collections | 2 Judgements | 1 Paid Collection | 11 name/address variations
►January 2012 (FICO) EQ: 564 • EX: 643 • TU: 576 | 1 Collection | 18 Medical Collections | 1 Judgement | 0 Paid Collections | 0 name/address variations
►February 2012 EQ:??? • EX:??? • TU: 580 | 0 Collections | 17 Medical Collections | 1 judgement | 0 Paid Collections | 0 name/address variations
►March 2012 EQ: 550 =(
Frequent Contributor
shorrttyycm1
Posts: 392
Registered: ‎03-29-2011

Re: SO FRUSTRATED...Any Ideas???

:-)  Great!  I just pulled my report and it says that it is due to fall off in September of 2013.  Does this mean that it is not hurting me alot?  I am so afraid to make it worse, like they might update or something, that I tend to not make a move either way :smileyfrustrated:


Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


Take the FICO Fitness Challenge
Regular Contributor
lovinlifeinkc
Posts: 154
Registered: ‎12-21-2011

Re: SO FRUSTRATED...Any Ideas???

I would doubt anything this old is having much of an impact on your score- however using the HIPPA method to have it removed surely wont hurt.   Good luck.  Let us know.

Starting Score Aug 2011 590/ Gardening until 2013!!
Current Score Walmart 683/ FICO Equifax 722/738/ 708 Transunion FICO 700/ 725 Credit Karma 648/678/
Goal Score 750
Credit Cards- Orchard $300, Capitol One $300/$500, Amazon $600/$1300 Pennys $700, Walmart $250/$700, Discover $2000, Chase $1500 Pending Citi/Declined Cit- Inquires and new credit....... GARDENING UNTIL 2013 or home loan time!!! Help me stay strong!!
Regular Contributor
lovinlifeinkc
Posts: 154
Registered: ‎12-21-2011

Re: SO FRUSTRATED...Any Ideas???

Or, since it's so old, they may be willing to settle for almost nothing.   How about a pay for delete?  I'd offer about 25%.  At this point they dont have much to lose.

 

 

Starting Score Aug 2011 590/ Gardening until 2013!!
Current Score Walmart 683/ FICO Equifax 722/738/ 708 Transunion FICO 700/ 725 Credit Karma 648/678/
Goal Score 750
Credit Cards- Orchard $300, Capitol One $300/$500, Amazon $600/$1300 Pennys $700, Walmart $250/$700, Discover $2000, Chase $1500 Pending Citi/Declined Cit- Inquires and new credit....... GARDENING UNTIL 2013 or home loan time!!! Help me stay strong!!
Mega Contributor
RobertEG
Posts: 17,456
Registered: ‎03-19-2007

Re: SO FRUSTRATED...Any Ideas???

[ Edited ]

I noticed a little blurb at the bottom of the CR that stated Chaper 7 Bankruptcy.

 

Was this debt discharged in a personal BK?  If so, it does not appear to have actually been paid.

I dont know how the HIPAA process is used when the OC was never paid..... but most likely the same, since there would no longer be a permissible collection pupose.

Maybe some HIPAA experts can shed some light.........

Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011

Re: SO FRUSTRATED...Any Ideas???

DH's credit score (EQ FICO) just went up FORTY POINTS  (YES 40!!) for getting his last collection removed........We are very excited, tho still has BK til 2015....:*(.........

 

I think if you can get rid of this, have you tried to GOODWILL IT?  I'm not sure disputing is going to get you anywhere if it is reporting correctly. 

 

Goodluck!

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720

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