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I have 3 PAID negative account on my reports. How should I go about getting them deleted a few years early? They are collections reported and paid a few months latter. Do I do the hippa process? Do I do a DV? Do I do A goodwill letter? I think I have and they didn't remove? Any help? Please and Thank you. How Do I make a Signature line?
As someone who has used the HIPPA Process a lot let me go a head and warn you that it can be
very DAUNTING!!! I would really really try giving GW's a good shot first.
Also I am working on removing old addresses and name mispellings. I have also opted out. In last 2 years I have added 13 positive revolving accounts. Student Loans are PAID and closed, were never late. Score has gone up but I have a few negatives I need to get off. Also do I need an open installment account? I have no open installment accounts. Goal is mortgage. Utilization is down from 97 % to 50%, next month it will be 25%. Thanks!!
@jeffery581 wrote:I have 3 PAID negative account on my reports. How should I go about getting them deleted a few years early? They are collections reported and paid a few months latter. Do I do the hippa process? Do I do a DV? Do I do A goodwill letter? I think I have and they didn't remove? Any help? Please and Thank you. How Do I make a Signature line?
The HIPAA process only works if you have paid the OC in full. It won't work if you paid a CA. A DV isn't appropriate because you've already paid. If it was the CA you paid then your only recourse is to write GW letters and just keep trying. Don't give up.
To make a signature line go to My Settings-------> Personal Information. You'll then see a box to enter your signature information. Be sure and go to the bottom of the page when you're done and hit "Save".
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
Sorry to bump an old thread - But i paid these guys a long while ago, sent them a GW letter, they sent me a letter back accepting the GW.
in a matter of 2 days ... still waiting for it to fall off.
I have sent GW letters to both the OC and them. Is that the best thing to do? Thanks You
If it is paid, only send to the CA .... i would not even both with theOC, are they reporting on your credit too?
No just Medical Data Systems. I did'nt know if the OC could request that it be removed or not.
Nah the OC doesnt care once they have been paid by selling it.... unless they are capital one or other like companies lol....
though i would GW them.
OK. Thanks. Can you tell me if I should DV them or dispute with credit agency? I just wonder what kind of information is needed to verify a debt.