Hello all! I have started to clear up my medical debt that has been hanging over my head since 2008. I live in Texas so it won't get erased until 2015. I'd like to have better credit by then. I've read up on how you should send certified letters to collection agencies for correspondence rather than call them. However, the address' that they have posted on FreeCreditReport.com (where I get my credit report from) are incorrect. Or at least I think they are. I've tried sending pay to delete letters to some of the agencies and 3/5 came back saying that the PO Box that they delivered to does not exist. Did I make a mistake? Should I have called and gotten their physical address instead of relying on a PO Box? I guess I'm stuck. I want to pay these off and I have the money to, but I don't want the bad credit to remain on my account. I'd like to have them deleted if possible and I need to send those certified letters to the collection agencies to have them deleted. I haven't tried contacting the original debtor yet, should I? And can they delete the accounts if I pay them direct? I'm so confused on where I should go now.. any advice?
The addresses that are listed on your credit reports should be correct. Have you tried pulling your free credit reports from annualcreditreport.com to see if they match the addresses on the reports from Freecreditreport.com? If they're the same, then you may want to do a little digging around online to look for alternative addresses too. Of course, you can always call the CA up just to do nothing other than get their current mailing address. That shouldn't be a problem. If the debt has been sold to a CA, then the OC won't be able to do anything for you. They would likely just refer you to the CA anyway since they've charged off and sold the debt.
