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Frequent Contributor
Posts: 392
Registered: ‎03-29-2011
0

SO FRUSTRATED...Any Ideas???

Hi Everyone,

 

So here is my problem.  I filed Chptr 7 last year (medical) Smiley Sad 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


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Frequent Contributor
Posts: 392
Registered: ‎03-29-2011
0

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

ANYONE???   

 

Smiley Sad


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
Posts: 416
Registered: ‎03-08-2011
0

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

Try "hipaa method"  you have to google it.  

Frequent Contributor
Posts: 392
Registered: ‎03-29-2011
0

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

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


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
Posts: 416
Registered: ‎03-08-2011
0

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

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

Frequent Contributor
Posts: 392
Registered: ‎03-29-2011
0

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 Smiley Frustrated


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
Posts: 154
Registered: ‎12-21-2011
0

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
Posts: 154
Registered: ‎12-21-2011
0

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!!
Epic Contributor
Posts: 21,229
Registered: ‎03-19-2007
0

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
Posts: 3,889
Registered: ‎05-24-2011
0

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!

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CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
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