Where should I start?

[Anonymous]

I wouldn't start calling them, and I wouldn't expect a reply to GW.  Since they're medical, you can try the HIPAA process (you will have to google it, we can't link to or quote from it here).  TU will probably delete all of your medical collections with the pre-HIPAA letter in that process.  Also, check out the sticky at the top of the forum - there's a bill that passed the House and should be up for a vote in the Senate (hopefully soon, like in November) that would require medical debt that's been paid to be taken off of your reports. 

I'd look for any documentation you have about that tax lien and figuring out who you can contact about it.

I would also pay down those credit cards - it looks like a few are above your CLs.  I'd prioritize like this: get a 10% of CL cushion on all cards with a balance, then pay the minimum each month to each of them, and if you have left over money then, put it towards the highest interest rate card until it's paid off.  Repeat.

[Anonymous]

I wasn't really going to call them - that was the "I've been up all night with no sleep and I think I'm funny now"

Fingers crossed on the Senate!!!

[Anonymous]

Hopefully a step in the right direction~

This is what was just emailed to me...

Katheryn,

I have removed this from your credit record, this may take up to sixty
days for this to report on the bureau record.  I hope all is going will
with you.

T. Warrick
CBS Collections, Inc.

What now with this account? If it is not gone are there any steps I can take to see that they follow through with their word?

Thank you forum!!!

[Anonymous]

I've also just contacted the County Clerks office in regards to the lien judgement. Has anyone ever filed a motion to vacate a judgement while residing in a new state?

[Anonymous]

Well, so much for a vacate order. I emailed the county clerks office just after 3pm and 45 mins later, get a phone call from a very kind woman named Jamie. She said she makes it her mission to address every question, phone call, email promptly because typically the person on the other end is trying to fix a credit issue - Why can't they all be like this?!

Here's the issue, they have no record of the lien!!! What? HUH? All three agencies reporting the same thing, but it's not in her system. Ok, now what?

In the mean time, I sent disputes to all three agencies  maybe I'l get lucky.

OH - and she was kind enough to write an email stating they have no records of any judgment with my name in their system - couldn't thank her enough!

[RobertEG]

Buttercup, I think you did the right thing, in view of no records by the OC to support the information reported, to have disputed this entry in your CR.

However, I would not have done this by disputing through the CRA.  Then you just interject CRA meddling, and sanitization of yoour dispute through the use of their arcane e-Oscar automated disptue process.

I would have disputed directly with the party who reported the information to the CRA, under the direct disptue process of FCRA 623(a)(8).

[Anonymous]

Dispute with unemployment?

How should I procede with them?

Thanks Robert!

[RobertEG]

Disputing has nothing to do with current employment status or income.  Those are NOT credit reporting issues, and are not in your credit file.

You have information in your credit report that you dispute, with documenation that the orginal party has admittedly said that they cannot support.  Almost a slam dunk.

“This is a Notice of Direct Dispute with you, under the provisions of FCRA §623(a)(8)(D), of the accuracy of information you have reported to my credit file.

       ► (If sent to a debt collector, (CA), it might  be beneficial to also include the blurb:

       ►  This is a direct dispute of credit reporting. This is not a request for debt
              validation/verification  under FDCPA §809(b).
                  (don’t let them just simply sluff it off as a meaningless  DV letter)

“In compliance with FCRA §623(a)(8)(D), and enacting regulations published at  16 CFR § 660.4, this Notice of Direct dispute includes:

 “Identification of the specific information being disputed:

            (specify the account number, and the specific information that is disputed under

             that identifying account)

“Basis for the dispute:

            (how the reporting was inaccurate;    was any reporting in violation of any statutory or

             regulatory provisions?   Creditor acknowleged no support?  account or express agreements?  CRA reporting gudelines?)

“Supporting documentation:

            (all documents that support your dispute; make sure to include,

             as part of your documentation, at least a copy of the portion only of your

             recent credit report showing their reporting of the disputed information was

              actually reported to your credit flle.  The implementing rule requires showing

               that it appeared in your credit report)

 “Under the provisions of FCRA §623(a)(8)(E) and 16 CFR §660.4,, you have the duty to review all of the information I have provided to you,  to complete your investigation of this Direct Dispute, and report back to me the results of your investigation within 30-days of this Notice of Direct Dispute.” 

[Anonymous]

No, no, no....

I'm asking if Washington unemployment is who I dispute with. Like I mentioned in my 2nd thread, the unemployment office sued me. I was never served, so I had no idea. I had during that same time paid the ccount in full.

Where it stands now is my credit reflects the lien with the case number, file date, and court address but it is not in the system with the county clerks. The woman I spoke with checked, and heard her in the background with her another person trying to figure out where it is. According to her it doesn't exist.

I will send them a letter, hopefully not get the same person I originally spoke with.

Thank you again

[Anonymous]

You could also send a dispute to the CRAs and include a copy of the email as your basis.  If you don't have information on the reporting party, I'd request that if they do verify (and put words to that effect in your letter).  I like Robert's letter, but I'm not positive you have the address of the reporting party - I know there's things on my credit reports that don't include that information.