need help.... need to delete negaive information

[shivanibr]

sure! i will definitely let you know.

[cjain]

Trish,
The procedure i wrote is the way i removed a collection charge on my credit report.....what is there to be confusing!!

Sometimes CA are fraud that is why you need to send the copy of the recipiets to CA along with the letter they sent you as a proof that you paid to them. Sometimes CA do not remove the charge that is when you file a dispute with Transunion/Experian/Equifax.

I didn't have to go through Transunion, the charges were removed immediately. But a friend of mine did the same procedure and his charges were removed after 2 months. So i would say it depends!!!

Thanks!!

[cjain]

Originally Posted by Trish

Just for future reference (I know you didn't know.....so it's understandable).......but try to avoid paying a CA. Most of them are scum and cannot be trusted. And NEVER give them your bank or credit card info. If at all possible deal with the OC........and for a medical bill you should always pay the healthcare provider.


You should dispute this with the CRAs. If it comes back verified, then you may have to deal directly with the CA to try and get it removed (hopefully it won't come down to that).

When you say do not pay CA what you mean....According to my knowledge when the account goes to CA, they are entitled to get the money from the concerned person. At that time no heathcare agency is involved because account is bought by CA. If the charges are on your credit report then you have the right to ask CA for the proof and they will give you that. If they cannot then either they are fraud or they don't have a back up document to support the charges then automatically when you dispute with CRA the charges are removed.

[Trish]

Originally Posted by cjain

When you say do not pay CA what you mean....According to my knowledge when the account goes to CA, they are entitled to get the money from the concerned person. At that time no heathcare agency is involved because account is bought by CA. If the charges are on your credit report then you have the right to ask CA for the proof and they will give you that. If they cannot then either they are fraud or they don't have a back up document to support the charges then automatically when you dispute with CRA the charges are removed.

I mean, unless you have no other choice........DO NOT PAY A CA. They are scum and they lie.
Most of them break laws. And no, they are not always "entitled" to the money.........ESPECIALLY when it comes to medical debts.
I would NEVER pay a CA for a medical debt. Even if the acct was sold to a CA,.........by law, a healthcare facility cannot refuse payment on a medical debt acct.

Of course you always have the right to ask the CA for proof, but they don't always give it to you. And just because they don't have documentation to support their charges doesn't mean it will "automatically" be removed from the CRAs. It's not always that easy, I'm afraid.

[Trish]

Originally Posted by cjain

Trish,
The procedure i wrote is the way i removed a collection charge on my credit report.....what is there to be confusing!!

Sometimes CA are fraud that is why you need to send the copy of the recipiets to CA along with the letter they sent you as a proof that you paid to them. Sometimes CA do not remove the charge that is when you file a dispute with Transunion/Experian/Equifax.

I didn't have to go through Transunion, the charges were removed immediately. But a friend of mine did the same procedure and his charges were removed after 2 months. So i would say it depends!!!

Thanks!!

What's confusing is the way you wrote it. It's still confusing.
If "CA are fraud", you don't need to send them copies or proof of anything.......you report them and file complaints for being "fraud" or collecting on a debt they are not allowed to (I'm assuming this is what you mean by fraud). That's breaking the law.

And of course some CA's don't removed accts from your CR.......that's the norm. Disputing them with the CRAs doesn't get them deleted that easy. You will be lucky if that's all it took...
So if that worked for you.......that's great. It's just not always that easy.

[cjain]

Originally Posted by Trish

What's confusing is the way you wrote it. It's still confusing.
If "CA are fraud", you don't need to send them copies or proof of anything.......you report them and file complaints for being "fraud" or collecting on a debt they are not allowed to (I'm assuming this is what you mean by fraud). That's breaking the law.

And of course some CA's don't removed accts from your CR.......that's the norm. Disputing them with the CRAs doesn't get them deleted that easy. You will be lucky if that's all it took...
So if that worked for you.......that's great. It's just not always that easy.

Well whether its confusing to you or not...it doesn't matter i am just telling the way i went through when CA contacted me and i was able to remove the charges.

[Trish]

Originally Posted by cjain

Well whether its confusing to you or not...it doesn't matter i am just telling the way i went through when CA contacted me and i was able to remove the charges.

Actually.....it does matter.
I understand you were just trying to explain how it worked for you but the way you presented it did not make sense. All of us give and receive advice.......that's what this forum is for.. Thank you for sharing your experiences. I was just saying that the way you had written it was confusing.

[jjgross]

Originally Posted by Trish

Actually.....it does matter.
I understand you were just trying to explain how it worked for you but the way you presented it did not make sense. All of us give and receive advice.......that's what this forum is for.. Thank you for sharing your experiences. I was just saying that the way you had written it was confusing.

Why would you pay a ca that was assigned a debt and didn't buy it.I still wouldn't pay it i would send my payment to the health provider if they want to forward it to the ca that's their choice but i would tell the ca to kiss my rather large butt.If by law they have to accept payment then they should now if they want to have a party to celebrate their high prices again that's their choice

[CreditCrisis]

If I have an account that has been transferred or sold and I set up an agreement to either pay in full or settle, once this account is removed from who it was sold to, is the OC obligated to remove it or report it as satisfied?

[Trish]

Originally Posted by CreditCrisis

If I have an account that has been transferred or sold and I set up an agreement to either pay in full or settle, once this account is removed from who it was sold to, is the OC obligated to remove it or report it as satisfied?

Unfortunately.....no. The only thing they have to do is report it as sold/transferred with a zero balance (well and of course make sure everything else is accurate). You will have to go after them/dispute them separately.