Here is one of my few dilemmas, hopefully you all can assist me I am scratching my head and wondering what should be my next step with my neverending saga with this Dr office. I hope I won't confuse you in trying to explain. Here it goes: -01/01-CR from mortgage lender (3-in1 ?) Balance: $287.00 Status: 0-5 -02/02-CR from EQ (pulled online) Balance: $0 Type Acct/Status: Open/120+ days pst due *Also states PAID COLLECTION Please note I disputed this because it said Open/120+ days past due. Therefore, my dispute was account closed. Everything else looked okay. Now is where I think I screwed up!! -03/02-CR from EQ (resp from disputes) This creditor has verified to EQ that this acct has not been closed...blah,blah,blah. (Here is the new updated version) Balance: $288.00 Status: 05 *COLLECTION ACCOUNT-Prev Status: 12/00-05 Prev payment hist: 1 time 90+days late Now, I was very mad and re-disputed. They totally screwed this up. I did pay this account off on 03/29/01 $287.92. I can't believe the creditor responded saying that I had not paid. Needless to say I disputed and here are my final results: -06/02-CR from EQ (resp from round 2 disputes) This account has been updated to report as a paid charge off (I just about threw-up when I saw this) Balance: $0 Status: 09 *PAID CHARGE OFF-Prev Status: 05/00-05 Prev payment hist: 1 time 90+days late Here is where you WONDERFUL PEOPLE with your great advice and opinions come into play. I do not understand how this can change from bad to worse when the whole time it was paid in full, not settled. Everything has been changed from balance, to previous status to charge off. Why would they say that now it's a charge off when the account has been paid for 15 months? I also thought an account had to be 120-150+ days late to charge off.??? Should I contact EQ and point out these 'errors' to them and re-dispute or should I just send Doc's nutcase letter to this Dr. This whole ordeal is driving me crazy but on the other hand I have accomplished a few things. Thank you for any help you may have to offer. HeatherB
i would be dealing with the furnisher, instead of the cra. you should send him the nutcase letter. what you want is this account deleted because a paid collection is not helping your score. I would send nutcase letter asap and get them to delete it themselves.
I suppose it would be better to send the nutcase letter to the Dr office CRRR? Is that what most others have done? Thank you so much for your advice. Some of the things are confusing. Maybe I've just tried to take in too much in a short time. Thanks again! HeatherB
