Hello, all. I have a medical collection from one OC that is on two of my CRs--TU and EQ. The one from TU says my balance is $922 (date reported 03/2010). The one from EQ says my balance is $680 (date reported 11/2006). I'm not sure which is the correct balance, and I don't want to pay twice for one collection. According to EQ, the DOFD is 06/2006 (nothing listed on TU). According to TU, the estimated removal time is 05/2013 (nothing listed on EQ). I am looking to buy a house in 12 months, and I would like to get this thing off my report. I can't afford to pay $922 or $680 all at once. What can I do about this?
Starting Score: 09/14 EQ 596 TU 587 EX 588 Current Score: 11/14 EQ 670 TU 602 (CK VantageScore 688) EX 656 Goal Score: 700
I don't think discussion of how to use the HIPAA process is allowed here but if you Google it and deletion of derogatory information, you may well find it.
That said, I contacted an OC and asked them what I owed, obviously, in writing CMRRR. Then I wrote them a PFD letter. Then I sent money. Then I waited for copy of CMRRR to arrive. Then I contacted CRA.
That may work for you as well... it is SOP for PFD requests.