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Hi all. New to the forums but have been searching and reading for a while now. I just pulled my credit reports for the first time ever and just as I expected all my negative accounts were medical bills in collections from when I lived in Utah. I am 21 so Id like to nip this all in the bud before it gets any worse and have more credit trouble as I get older. Im more than likely going to PFD the 2 North American Recovery accounts as those are the one with the least balance owed but should I write one letter asking them to delete both for payment in full or should I write 2 seperate letters, one for each account. I honestly was actually thinking about writing one letter for one account and if they agreed to delete for full payment, once they had deleted the first account off my report, then ask them if they would do the same for the second one. Thoughts on that?
As for all my other ones, how should I go about them? Should I write DV letters? The only thing that concerns me is that they all appear to still be within the Texas 4 year SOL and if in fact they do verify then they turn around and sue me especially the IC Systems account as that is the one with the highest balance BUT after checking with the Texas Secretary of State website it seems that both IC Systems & Mountainland Collections DO NOT have surety bonds on file to collect here in the state of Texas. Not that i could find anyways. So is that a green light to go ahead and DV?? I have been living in Texas for a year and four months so I am unsure if Ive lived here long enough to be considered a resident and er protected byall the Texas SOL and surety bond laws as well as the Texas Finance Code.
Here is the list of the negatives on my reports. All input is welcome. Thanks.
IC Systems
OC: Intermountain Healthcare
Date Opened: 04/2012
Reported Since: 11/2012
Date Of Status: 11/2012
Last Reported: 11/2012
Type: Collection
Terms: 1 Month
Responsibility: Individual
Original Amount: $1,261
Recent Balance: $6,164 as of 11/2012
Scheduled To Fall Off: 09/2018
Medical Data Systems Inc
OC: Davis Hospital Medical Center
Date Opened: 09/2011
Date Of Status: 12/2011
Last Reported: 12/2011
Type: Collection
Terms: 1 Month
Responsibility: Individual
Original Amount: $1,835
Recent Balance: $1,835 as of 12/2011
Scheduled To Fall Off: 08/2017
Mountainland Collections
OC: Epic Emerg Phys Integrated D
Date Opened: 04/2011
Reported Since: 06/2009
Date Of Status: 05/2011
Last Reported: 08/2013
Type: Collection
Terms: 1 Month
Responsibility: Individual
Original Amount: $554
Recent Balance: $705 as of 08/2013
Scheduled To Fall Off: 02/2018
North American Recovery
OC: Midtown Community Health Center
Date Opened: 10/2011
Reported Since: 12/2011
Date Of Status: 11/2011
Type: Collection
Terms: 1 Month
Responsibility: Individual
Original Amount: $43
Recent Balance: $53 as of 11/2013
Scheduled To Fall Off: 11/2017
North American Recovery
OC: Midtown Community Health Center
Date Opened: 05/2012
Reported Since: 07/2012
Last reported: 11/2013
Type: Collection
Terms: 1 Month
Responsibility: Individual
Original Amount: $65
Recent Balance: $78 as of 11/2013
Scheduled To Fall Off: 09/2018
Hi and welcome to the forums.
My first step would be to contact the OC and see if you can qualify for any type of financial assistance. Some of those are large balances. If you can, much, if not all of the debt can be wiped out. If that happened the CAs would need to delete since there is no debt to collect on.
The one year residency only applies to higher education.
I would send them a DV under TFC and a separate letter requesting their surety bond information.
When you did the search, did you use the wildcard%?
If you can't pay it I would not DV right now. You don't want to get sued.
If you aren't sure about the second one I would call and ask them to check for you.