Okay I am going out on a limb here with some disputes:
BOA letter emailed to one of the CEOs to remove a few lates to a paid off in good standing mortgage - asked in a very honest but nice way.
MOV letter going out to equifax regarding an account that was supposidly verified to a closed collection agency for my student loan.
Letter to Capital1 to remove two inquiries for their prequal card, which wasnt supposed to report to the CRA.
One PFD letter going out for one of the medical bills to a local collection agency.
One comlaint to the BBB regarding a collection agency who hung up on me and told me "You should have paid your bills".
ALL Adresses that do not belong to me are deleted from all my reports except TransUnion but I will write them soon.
Any advice on any of this will help! 
BOA letter emailed to one of the CEOs to remove a few lates to a paid off in good standing mortgage - asked in a very honest but nice way.
The reason I did this is because it is a good standing account and was paid off, but has a few lates on it. It is an attempt to get those removed, it is markd as paid as agreed but still negative.
MOV letter going out to equifax regarding an account that was supposidly verified to a closed collection agency for my student loan.
The reason I did this is because the collection agency that I was paying I think is closed. Their phone number gives fast busy signal when called and their letters return NO response. SO I think they must be closed, and Equifax is just playing games when I try to dispute it. The just changed one of the dates to the month before.
Letter to Capital1 to remove two inquiries for their prequal card, which wasnt supposed to report to the CRA.
This is for obvious reasons, an attempt to get the inquiries off the report to get some extra points. I filled out a prequal app and it wasnt supposed to report to the CRA.
One PFD letter going out for one of the medical bills to a local collection agency.
This is for a PFD on one of the 6 medical collections, I agreed to pay them 75% if they would remove ALL The negative entries. This is also my first attempt to do a PFD, I didnt send the ones I was going to before because that is the one I reported to the BBB below.
One comlaint to the BBB regarding a collection agency who hung up on me and told me "You should have paid your bills".
This is because the collection agency was rude, very very unprofessional and hung up on me.
Does it look like I did this right? I am still quite a newbie..
Also, any idea how long it takes after negative items get removed? 
It looks pretty good to me.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
You are doing a great job!
You are doing it just as you should, attacking every negative on your report. You really want to end up with them all gone if possible.
@LoveGoodCredit wrote:BOA letter emailed to one of the CEOs to remove a few lates to a paid off in good standing mortgage - asked in a very honest but nice way.
The reason I did this is because it is a good standing account and was paid off, but has a few lates on it. It is an attempt to get those removed, it is markd as paid as agreed but still negative. If you don't get a response in a few weeks you might want to try sending him a regular letter using snail mail. CEOs have a staff that responds to all his mail.
MOV letter going out to equifax regarding an account that was supposidly verified to a closed collection agency for my student loan.
The reason I did this is because the collection agency that I was paying I think is closed. Their phone number gives fast busy signal when called and their letters return NO response. SO I think they must be closed, and Equifax is just playing games when I try to dispute it. The just changed one of the dates to the month before. Good thinking here! If the MOV doesn't work you might want to DV this, the phone number is incorrect and is on your report.
Letter to Capital1 to remove two inquiries for their prequal card, which wasnt supposed to report to the CRA.
This is for obvious reasons, an attempt to get the inquiries off the report to get some extra points. I filled out a prequal app and it wasnt supposed to report to the CRA. This is okay, but I woudln't really worry about it.
One PFD letter going out for one of the medical bills to a local collection agency.
This is for a PFD on one of the 6 medical collections, I agreed to pay them 75% if they would remove ALL The negative entries. This is also my first attempt to do a PFD, I didnt send the ones I was going to before because that is the one I reported to the BBB below. Good job!
One comlaint to the BBB regarding a collection agency who hung up on me and told me "You should have paid your bills".
This is because the collection agency was rude, very very unprofessional and hung up on me. Go poke em in the eye! (This is why you want to do everything by mail.)
Does it look like I did this right? You did great! I am still quite a newbie..
Also, any idea how long it takes after negative items get removed?
It will take anywhere from 2 weeks to 2 months for a negative to actually be removed from your reports for your efforts done here. First the CAs need to decide to remove it, then they notify the CRAs, then the CRAs take a bit of time themselves.
You are doing a great job! Keep up the hard work!
Okay this is where I am right now, I really appreciate your ALL OF YOUR GUYS help with this because I cant afford to mess this up. I have my first PFD out in the mail with the CSD collection. This sprint is unverifyable and was removed from the other two beauros, but it came back verified on Equifax. I was going to ask for a MOV to see what they do.
I dont know about experian but it is right up there with TU, they were almost the same the last time I looked.
Transunion
Collection agency [?] Ffcc-Clvland
Original balance [?] $231
Current balance [?] $231
Date assigned [?] Jan 21, 2009
Original lender [?] Med1 02 MacEdonia
Account number [?] XXXXXXX
Account holder [?] Individual
Account descriptions [?] Account information disputed by consumer
Collection agency [?] Strn Cr Rec
Original balance [?] $92
Current balance [?] $92
Date assigned [?] Mar 06, 2012
Original lender [?] Med1 02
Account number [?] XXXXXXXX
Account holder [?] Individual
Account descriptions [?] Account information disputed by consumer
Collection agency [?] Strn Cr Rec
Original balance [?] $75
Current balance [?] $75
Date assigned [?] Jun 21, 2012
Original lender [?] Med1 02
Account number [?] XXXXXXXX
Account holder [?] Co-maker
Account descriptions [?] Placed for collection
Collection agency [?] La Rec Svc
Original balance [?] $259
Current balance [?] $259
Date assigned [?] Jan 07, 2011
Original lender [?] Med1 02
Account number [?] XXXXXXXXXXX4920
Account holder [?] Individual
Account descriptions [?] Placed for collection
Collection agency [?] Ffcc-Clvland
Original balance [?] $564
Current balance [?] $564
Date assigned [?] Feb 11, 2008
Original lender [?] Med1 02
Account number [?] XXXXXXX
Account holder [?] Individual
Account descriptions [?] Placed for collection
Collection agency [?] Csd Collctn
Original balance [?] $156
Current balance [?] $156
Date assigned [?] Mar 20, 2012
Original lender [?] Med1 02
Account number [?] XXXXXXXX0061
Account holder [?] Individual
Account descriptions [?] Placed for collection
EQUIFAX
Collection agency [?] 645YC00000
Original balance [?] $231
Current balance [?] $231
Date assigned [?] Jan, 2009
Account number [?] XXXXXXX
Account holder [?] Individual
Account descriptions [?] Consumer disputes this account information
Medical
Collection agency [?] 645YC00000
Original balance [?] $564
Current balance [?] $564
Date assigned [?] Feb, 2008
Account number [?] XXXXXXX
Account holder [?] Individual
Account descriptions [?] Medical
Collection agency [?] 777YC00000
Original balance [?] $259
Current balance [?] $259
Date assigned [?] Jan, 2011
Account number [?] XXXXXXXXXXX4920
Account holder [?] Individual
Account descriptions [?] Medical
Collection agency [?] 495YC00000
Original balance [?] $75
Current balance [?] $75
Date assigned [?] Jun, 2012
Account number [?] XXXXXXXX
Account holder [?] Joint
Account descriptions [?] Medical
Collection agency [?] 495YC00000
Original balance [?] $92
Current balance [?] $92
Date assigned [?] Mar, 2012
Account number [?] XXXXXXXX
Account holder [?] Individual
Account descriptions [?] Medical
Collection agency [?] 217YC01348
Original balance [?] $715
Current balance [?] $715
Date assigned [?] Dec, 2009
Original lender [?] Sprint
Account number [?] XXXXXXXX
Account holder [?] Individual
Account descriptions [?] Consumer disputes - reinvestigation in progress This one should be getting removed
Collection agency [?] 774YA00000
Original balance [?] $156
Current balance [?] $156
Date assigned [?] Mar, 2012
Account number [?] XXXXXXXXXXXXXXXX6705
Account holder [?] Individual
Account descriptions [?] Medical
LOL.
Thank you!
Yes, I dont know remember getting the bills for those either. They were mixing me and my mom for a while but I got hers removed from my credit. I just didnt see the bill or something and wasnt paying attention. The kids have been to the DR a lot but more so my mom with her strokes, seizures, or cancer.
Just so much of a mess, but now they have been verified, I sent the PFD letters.
So if that dont work do I do hippa? :-/
I have already opted out and deleted old adresses. I have paid so many bills I wish they would calculate the numerous other bills your paying! Anyway, thats what I was saying before, they were mixing them up and the 116 dollar one got removed. They probably came in my moms name or something, either way I gotta take care of these.
I dont remember leaving any visit with a balance, and these must have been billed afterwards.
Hi LovesGoodCredit,
You are very wise doing your homework first,before moving forward.
On medical debt, the DoFD is the date of medical service. Date assigned is the date the CA, opened a file for this debt.
So your actual DoFD are going to be older, then the Date it was assigned to the CA.
Two important dates to know on each debt. 1)DoFD, 2) your states SOL.
Also find out who owns the debt. If the OC still owns it, ask if they will accept payment and pull the debt back from the CA.
If the CA owns the debt, try using PFD letters since the OC is out of the picture.
Some encouragement for you, I managed to get all of my medical debts and my DH too,removed by PFD's or by GW letters.
Good Luck to you.