Hi everyone, I had a $98 unpaid medical bill due to some insurance glitch. Now I am in the process of buying a house, to expedite the process, I had a pay for deletion letter signed by the president of the collection agency and then sent out a restrictive endorsement bank check. now after a month my credit report still shows the derog... What should I do? Can anyone offer me a sample threaten to sue letter? BTW, I am in NY and the CA is in OH. Any input appreciated!!!!
Send a 5 day letter...they have 5 days to respond (from the day they get the letter) that they are deleting it from the big 3 Send it CERTIFIED R/R F.Y.I.~~A MONTH MAY BE TOO SOON...60-90 days is normal (from what PEOPLE IN THE KNOW have said)
you're in the process of buying a house...what part of the process are you in? Have you been approved yet? Are you trying to up your scores before you start applying for home loans? before we bought a house, we had to take care of judgements, chargeoffs, and collections. We just paid them all off and got letters stating they had been paid. (sheesh if i knew then what i know now) They didnt update our reports for about 60 days. (a couple things NEVER got updated!) We just took the proof (letters stating that the derogs had been paid) to the lender, and even tho the CR still showed the derogs as unpaid, our proof was good enough to get the loan. I never had a signed agreement for deletion for any of the debts i paid, but my point is, if youre going for a home loan, they wont just look at your scores. they'll actually look at the report, and if thats the only derog you have, as long as you have a letter and proof that 98 bucks has been paid, it shouldnt make much difference to the lender what it says on your report.
Thanks GORGE I know big 3 are slooooooooooow. Luckily (?) I had the derog only listed at experian. Unfortunately (!) I need it sooner than later to be deleted! Do you remember anyone posting a sample 5 day letter somewhere? This forum is like a compact universe and it is very hard to find a piece of information.
Thanks crowmom You are making a good point. I will get the letter you mentioned. Yes I have been preapproved since the amount is so small but I got the preapproval from a mortgage agent and he told me to "take care of it (the derog)" first. I have no doubt that I will get a loan, just I hope to get the best package possible ---- yes I am cheap! I know credit bureaus are very slow in updating their records. I just want to do everything in my power to push things forward. Thanks again for all those quick responses.
Geez George, you have the EXACT SAME FICO as I do? I am now 706, 4 points lower than a week ago. Bought too much stuff last month.
Re: Re: Threaten to sue now? It is from about 08/04 or 08/05...I MISS DAILY SCORE UPDATED FROM CW!!! I use SCORE POWER every-other-month (USUALLY---UNLESS I CAN'T STAND THE WAIT)
Re: Re: Threaten to sue now? MY F.I.C.O. HAS BEEN 665-739...I OWE PROBABLY $40,000 <LESS> NOW THEN WHEN I HAD THE 739!!!
Re: Re: Threaten to sue now? Here are a couple ITS letters from my favorites folder: http://consumers.creditnet.com/stra...php?s=&threadid=22011&highlight=intent+to+sue and http://consumers.creditnet.com/stra...325&highlight="methodist+hospital"#post220325 You'll have to scroll down on each of them to find the posts with the letters. They arent specifically aimed at your problem, but its all i have for you. you might be able to use something from them. they are both awesome. good luck to you. (edited to add: scroll WAY down till you find the one written by butch--its great!)
Re: Re: Threaten to sue now? Good news! Last week I was checking my credit manager, and guess what? my derog was REMOVED!!!! FICO shot up 68 points!!!
The mortgage co we have been talking to said the same thing; that it takes at least 60 days for the CRA to update. or at least for the scores to update. Makes you wonder if they remove something if the score is automatically recalculated then or if they run a recalc process just every now and then. Might explain why some people see changes in scores but no recent changes in data.
Re: Re: Threaten to sue now? I believe the scores should be calculated on the fly otherwise it doesn't make sense to have FICO. Maxie ============ Wrong The scoring racket should be banned. http://members.aol.com/victcrdrpt/Score.html THE END ** *** ** LB 59 """"```--~~~~~~~~~--```'""'''
Re: Re: Threaten to sue now? Call the president of the collection agency and tell him he will be getting a call from the 3 bureaus. Ask him to tell them (as he agreed to do) that the account should be deleted. Then call the bureaus and ask to speak with a CS manager (see below). I have had very good sucess having them make the call if I told them my predicament. I too was buying a house, and needed to have items deleted QUICKLY. CRA Contact Nums EXPERIAN NUMBERS 800-583-4080 Working 8/03 888-397-3742 MI & MN Working 8/03 888-972-5722 Working 8/03 714-830-7000 CA Working 8/03 LIVE PERSON ANSWERS 918-455-0800 OK Mark Gray Phone Lists Working 8/03 952-854-2318 MN Candy Carlton Working 8/03 VOICE MAIL 972-390-3814 TX Working 8/03 EXT 4000 Information Request SUPERVISORS 972-390-4100 Order Reports Working 8/03 972-390-4101 CSS Test Development 972-390-4102 Mrs. Trevino Special Services Working 8/03 972-390-4103 Robin Crusin Working 8/03 972-390-4105 Tia Cooks Working 8/03 972-390-4108 Specialized General Maintenance Line Working 8/03 972-390-4109 Kyra Williams Special Services working 8/03 972-390-3046 JOHN RORGE Working 8/03 972-390-3816 ANDREA GREEN Working 8/03 972-390-4011 BETH BLANOCK CONS AFF SPECIAL SER Working 8/03 972-390-4068 TOTAL RECALL Working 8/03 972-390-4087 BETHANY Hismith SUPER OF CUSTOMER RELATIONS 972-390-4088 KEN 972-390-4121 ANNETTA WALKER 972-390-4122 LEAD VIP TEAM 972-390-4123 ELIZABETH 972-390-4124 LISA WALLACE 972-390-4126 PAUL SUPERVISOR OF THE TOP GUN TEAM 972-390-4127 GREG MCGOWAN 972-390-4128 CHE 972-390-4130 CARLA BLAIR SUPERVISOR SPECIAL SERVICES 972-390-4131 KERRI IDEE SUPERVISOR 972-390-3000 972-390-3569 972-390-3942 Anna Walters Learning Center 972-390-3974 Michelle Moonahan Security FAX NUMBERS 407-551-1955 FL Working 8/03 513-831-5693 Cincinnati Working 8/03 714-830-2449 Working 8-08-03 918-455-0900 OK Working 8-8-03 972-390-3809 Working 8-8-03 972-390-3838 Working 8-8-03 972-390-3850 Busy TRANSUNION 800-680-7289 800-888-4213 800-916-8800 610-546-4600 PA 610-546-4601 THRU 4699 610-546-4612, 4618 CONSUMER WINDOW 610-546-4613 HUMAN RESOURCES 610-546-4614 LORI TAMARABUS HR 610-546-4617 BONNIE SAUNDERS HR 800-680-7289 TU FRAUD DEPT Fax Numbers 205-980-6590 Birmingham 248-324-3062 MI 312-347-5770 Chicago 318-478-1295 Louisiana 440-779-2388 OH 502-327-5460 KY 610-546-4601 610-546-4602 610-546-4603 610-546-4605 612-639-0705 Being checked for trouble Mr. Jeff Lahay, Vice-President 651-639-0705 Minnesota Working 8/03 704-527-7096 Charlotte 714-447-6027 Consumer Relations West 714-447-6032 ATTENTION: CONSUMER RELATIONS 714-830-2449 716-626-1795 718-897-3094 NY 775-352-7405 NV 781-246-7822 MA 801-266-5651 Salt Lake Joni Tolentino Dennis Littlejohn Garve Walker 804-747-5416 Richmond 901-684-5577 TN EQUIFAX 800-525-6285 Fraud Department 800-685-1111 Order Report Working 8/03 888-407-0359 FL Equifax Tech Support Working 8/03 FAX NUMBERS 225-293-9336 Louisiana 281-878-1974 Working 8/03 432-570-9307 Midland, TX 678-795-7798 Working 8/03 678-795-7954 Consumer Affairs dept Working 8/03 770-375-2744 AZ 858-565-4328 San Diego 888-664-4535 888-729-0083 866-233-3777 866-838-1016 ATTN: FAX TEAM 866-838-1017 CSC 888-501-6254 FAX NUMBERS 281-878-1974 407-551-1955
Re: Re: Threaten to sue now? I think this post might ought to be copied to the FAQS. A lot of great info there. THANKS!