okay , i know the ropes.. sort of, but i just wanted to get a feel for the 'come back' so to speak... i was lucky enough to have a 2,000 hosp bill deleted from experian last month. the ca responed to debt validation with print out from their screen... and has begun calling again (4 year old hosp bill) and has even sent a dunning letter referring to the fact that i have not sent in my $50 payment according to our agreement (not in writing) 2 years ago.. ha ha. anyway, they could not verify with experian and i think it was because they were reporting another ssn (i think maybe my mom's)...anyhow it was deleted. the only cra they were reporting to was experian... and the infamous CA COMEBACK IS THIS: so here is the kicker, i pulled up privacy guard and it showed up on equifax today. i am trying to get these last 3 med bills taken care of so i can buy a car. i can't afford to pay the 2,000 bills, but if i can get it off my report long enough to get a decent interest rate on a car, i can make payments later. so there is more... i deleted the old address that the ca had on me (not address of service, but address where they were sending me letters) from experian... so that was good... only the weird thing is that equifax has my old address as my current (the one i deleted from experian) so i am wondering if i get that address of equifax's file would it make it more difficult for the ca to verify with equifax? i just need some advice before i ship off my d/v letter to the ca AGAIN and dispute with Equifax... thanks .
okay maybe that was too lengthy to warrent a response... if you have a collection account deleted from one cra and then added to another... is there any special precaution you would exercise before beginning disputes and validation requests?? is that better?
