Working Toward Good Credit and Need Some Advice..

[kcscott11]

I read a bit. but all of yalls talk about ocs and ca's and such is really just confusing me a bit. So if i ask things i should already know please be understanding and patient.

I am about to be 22 years old. I started my credit at 18, verizon. It went bad.... And ever since things just got worst. Mainly Hosipital bills. Quite a few.

A little over a year ago, i talked the Snap On tools truck to do a credit override and finance me tools on credit. I have never been late on a payment. This has helped.

Seeing my credit go up, got me excited.... So i got my credit report from freecreditreport.com (scam artists), argued with them for an hour after i got it, and had it canceled so it didnt cost anything.

I then took my report and did what seemed like would be best, called up on of the collectors, and set up payments. Paid off a hospital bill, which i was told would be removed from my report in 30 to 90 days. I was happy.

Since I paid off another hospital bill, which was also said to be removed in 30 to 90 days. Then I paid the 750.00 verizon bill, which was also said would be removed in 30 to 90 days. Today, I found out about annualcreditreport.com, so I got all 3 reports and printed them. Got to looking, and each collection agency I paid did not remove it, only update it as Paid/Closed, which kind of made me mad. I contacted each agency, and told them they had agreed to remove them, and they basically said i was lieing to them.

Only 2 things were left, that were negetive and unpaid, one was 303.00. I called, negotiated, and asked if it would be removed from my report or just updated as paid/closed. He said they could not remove it, only update it. I set up payment on it. And it is as good as paid.

Problem is, is there a way to get them to dissapear? or do i have to wait on the statute of limitations. They are paid. They all agreed to remove the stuff except the one i paid today.....

This leaves only one more thing. The last bill. I was 20 years old, and was jumped by two guys. My girlfriend at the time, called the police during the fight, the fight ended before they arrived, so we met them at the store down the road. Paramedics showed up, And put me in an ambulance.... I told them i was ok, but i was intoxicated so they brought me to the hospital anyways, and INSTEAD OF LETTING ME RIDE WITH MY GIRLFRIEND (WHICH I ASKED TO DO) they made me ride in the ambulance. I have a 1200.00 dollar collection showing on my report, which i plain out do not want to pay... can they charge me for something, I didnt need, nor wanted? And asked to not do? What is the best way to dispute this?? Can I?


so it all boils down to can i dispute the acadian ambulance bill, and is there a way to get the already paid accounts removed from my credit report? I live in texas. i believe i read on the forum the Statute of Limitations is 4 years but could have misunderstood any help would be greatly appreciated. Thanks. K.C.