What to do? Please give feedback!!

[rycoop]

Here's the long and short of it, after reading and re-reading the posts and information and basically follow up myself on disputes I have to clean this junk up on my CR.

I JUST pulled Transunion and see several things and I need some serious advice .. PLEASE. I'd really like some feedback. Here's the stuff on my report

COLLECTIONS:

Collection debt to HSBC

Collection Agency: Portfolio Rc

Orginal Bal: 1148

Current Bal: 1189

Stauts: Not reported

Date Assign: 7/19/2007

Date Rep: 12/14/2007

I've never heard from these guys... I know this is for a charged off card but don't know exactly what to do with them as I've read on these boards they are difficult.

Collection debt to Med1 K****** Valley Comm Hospital

Collection Agency: Yak Adj Serv

Original Bal: 298

Current Bal: 342

Status: Not reported

Date Assign: 08/16/2007

Date Reported: 10/31/2007

Orginal Lender: Med1 K***** Valley comm hospital

Do I do a PFD, or pay the hospital or do I do a DV?? I'm stuck here.

Collection on debt to: Charter Comm Yak

Collection Agency: Cred Prt Asso

Orginal Bal: 361

Current Bal: 133

Status: Not reported

Date assigned: 8/01/2006

Date reported: 05/05/2007

Orginial lender: Charter Comm Yak

Old cable bill... I know lame but I moved and didn't pay it outta stupidity. Should I just pay the balance to the cable co directly then say I didn't pay any money to the collection agency? Would they delete if they never collected a penny from me?

Collection on debt to: Charter Comm Yak

Collection agency" Cred prt Asso

Orginal balence: 143

Current Bal: 0

Status: Not reported

Date assigned: 11/30/2004

Date reported: 05/29/2005

Date Closed: 05/29/2005

Orignial lender: Charter comm Yak

Can this be deleted any way????

Collection on debt to: Med 1 K****** Valley Comm Hosp

collection agency Yak Adj Serv

Original Bal: 250

Current Bal:

Status: Not reported

Date assigned: 01/07/2004

Date reported: 12/31/2007

Date closed: 01/31/2004

Original Lender: Med1 K***** Vlly Com Hosp

This was included in a bankruptcy I had in 03. I don't know if there is anyway to get it off my report.

I know I seem really dumb about this stuff but I just want to do the most effective thing possible. I did dispute all these things only to have them come back the same way.

Thanks so much.

[SmartCookie]

Know your states debt collecting SOLs.

Always try to deal with OC for PFDs on valid debts.  This includes medical.  You can still offer a settlement amount, they might accept that if you cannot PIF... but get it in writing that the settlement is for legally settled in full.  Do not pay without a PFD agreement from the creditor, or CA if it comes down to that

GW all paid derog accounts, including the collections.  Wash, rinse, repeat till it's gone.  If one department does not work, try to get another addy or departmental name to send it to.  As a last resort if nothing is working, try planet feedback on the net... but leave that as your last option. 

DV all collections CMRRR.  For medical collections, before you DV, search these forums and google for whychat HIPAA for a mountain of information on how to use any rights you might have.  Dispute anything that is not yours or inaccurate on your CBRs after you have sent out your DV that corresponds to that particular TL.

Are you sure that last CA was IIB for that amount?  It seems to have been assigned after the fact and I question if it is reporting incorrectly, or was mistakenly transferred to this CA after IIB.  You may need to dispute this one in addition to DVing.  If this was the CA IIB and the amount is correct, you would need to contact them to let them know that they are liable for costs and sanctions back in BK court for violations.  This usually results in a full delete instead of an update especially if they have been reporting incorrectly for this many years.

[Anonymous]

Interesting. I have 2 collections from local utility companies. I know that I could easily call and pay these, but am not sure how they would respond to a PFD. Would it be better to PFD CMRRR the utility co's first and then if they refuse move on to the CA? The CA for both is a small local company with only one office here in town. I could literally walk in and offer the PFD, get it in writing, pay it and walk out. Do you still think it's better to work with the OC? I called the CA and they said they had no info about my accounts except my name, address and the amount and they never send me letters. These 2 collections are some of my more recent ones that I'd really like to get rid of. Thoughts?

[SmartCookie]

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orhippychic wrote:

Interesting. I have 2 collections from local utility companies. I know that I could easily call and pay these, but am not sure how they would respond to a PFD. Would it be better to PFD CMRRR the utility co's first and then if they refuse move on to the CA? The CA for both is a small local company with only one office here in town. I could literally walk in and offer the PFD, get it in writing, pay it and walk out. Do you still think it's better to work with the OC? I called the CA and they said they had no info about my accounts except my name, address and the amount and they never send me letters. These 2 collections are some of my more recent ones that I'd really like to get rid of. Thoughts?

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This sounds like the easiest OC PFD and CA removal ever!   Are both currently reporting or just CA?  Curiosity.

[Anonymous]

Just the CA. Easy? I like the sound of that. From what you said, it sounds like I PFD the OC and have THEM make the CA remove the report. Am I understanding that correctly?

[Anonymous]

Yep-

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orhippychic wrote:

Just the CA. Easy? I like the sound of that. From what you said, it sounds like I PFD the OC and have THEM make the CA remove the report. Am I understanding that correctly?

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[SmartCookie]

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orhippychic wrote:

Just the CA. Easy? I like the sound of that. From what you said, it sounds like I PFD the OC and have THEM make the CA remove the report. Am I understanding that correctly?

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Exactly, as long as they really do still own it.  Do a single PFD referencing both accounts and mail it though... rethinking on just dropping in and I think mailing it is better.

Once paid you can DV and dispute those CAs if you wish, or just wait for all to update and remove.

[Anonymous]

I think they do still technically own it because the lady at the CA said I should call the OC for information because she didn't have any. I wanted service dates, mailing dates, etc. She had nothing. I'm gonna get right on that!!

[SmartCookie]

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orhippychic wrote:

I think they do still technically own it because the lady at the CA said I should call the OC for information because she didn't have any. I wanted service dates, mailing dates, etc. She had nothing. I'm gonna get right on that!!

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Fabulous!  Good luck.  If you think you might not agree with any of the charges, get all of those back bills to peruse over first and consider a settlement PFD with OC.

[Anonymous]

the total amount for both bills is less than $200 and I know they are mine. I will offer full payment because I want them off REALLY BAD. Thanks so much for the heads up on this. Does the standard PFD work? I mean it says stuff like "i'm not necessarily claiming this debt" and "in the interest of compromise" kind of stuff, but they are mine and i know it. I could soften the language on that letter a bit and get the same result don't you think? Or is there a "friendlier" letter floating around out there that is used in situations like these?