I am really new to this so please bare with me. My husband and I want to build a house in about a year. We pulled all three of his credit reports TU 595, EQ 587 until I disputed items yesterday now at 568, Exp 640. Okay here is the kicker 2 1/2 years ago he went through a divorce and was court ordered (NOT LYING) to file BK by the Judge. So he hired an attorney but after he had already paid the attorney he received a judgement . No problem we called the company and gave them our attorneys name and never heard nothing else about it and it was discharged under BK. His credit report shows not 1 but two judgements for the same company. In DEC 1999 and the other Jan 2000 . The attorney did not file his Bk until Feb 16, 2000. since we did not have to go to court for the judgement could it have been dismissed? Okay here is the other question NCO put a collection on his reports Feb 2002 for a medical bill we did not know we had the hospital had been mailing to his ex wife and she was having them returned to the hospital. He has really good insurance and come to find out the $1609.00 bill was not billed right to the insurance from the hospital. I called the insurance and they paid it all as of last week. What can I do about that. I called NCO and they said they would have to call the hospital and would call me back. I'm still waiting!!!!
Welcome to the Board. New dogs can learn new tricks quickly I would call the court and have the judgement information pulled and sent to you (sometimes for older cases you have to pay some small "archival and printing" fee. The best way to see what has happened is to read it in black and white. Find out if there even was a court case, the date, how he was served, etc... Then when you are informed about the case, post a note with the information and there are those here who can give some helpful hints. Check with the insurance company to see if they paid. Then contact the hospital to find out if the insurance company paid, and what will they report to NCO when you send a dispute through. Tell them about the address mix up, and the insurance would have been paid if they had billed the proper address. Then send a validation letter to NCO. They will have to contact the hospital to validate the debt. Since the insurance company will have paid the hospital they should report it as paid by the insurance company and hopefully NCO will delete the listing from your file. Again I would call the hospital to find out how they would report something like that, since it was not your fault it was late (never got the bills, and would have gotten the insurance to cover it earlier had they billed the correct persons address). If the hospital gets huffy, and refuses to report to NCO to delete the account and listing, quote the Fair Billing Act, and that violations of that and the FCRA could warrant a law suit against the hospital for damaging his credit report without failrly billing the appropriate address for the person responsible for the bill. Good Luck, -Peace, Dave
Thanks dave. Does anyone have any idea why his fico score dropped from 587 to 568 in one day. The same items are on his report and nothing has changed except EQ has accessed his file 5 times today. Do you know how to get charge offs removed when they were reported inacurate? They were BK not charge offs.
