Need a little advice...

[MackMomma]

Okay, I'm just gonna lay it all out there, and maybe someone can help me by being more specific about what I can do... These are from Equifax, I have my report from Experian as well... for some reason I can't find the link for order a report on the TransUnion site. Also, I paid for this one, and how am I supposed to get the full acct # for these for my letters if they don't show it? I don't want to call the CAs because I want to dispute with the CRAs first, right? Sorry, I'm just really lost here... Thanks in advance for any and all help!!

Collections


CAPSTONE CREDIT SVCS.
Agency Address: PO Box 1267
Lutz, FL 335481267
(813) 949-0631
Date Reported: 11/2009
Date Assigned: 09/2006
Creditor Classification: Rental/Leasing
Creditor Name: CAMPUS LODGE COLUMBIA
Account Number: D959XXXX
Account Owner: Individual Account.
Original Amount Owned: $4,500
Date of 1 st Delinquency: 08/2006
Balance Date: 11/2009
Balance Owned: $4,500
Last Payment Date: N/A
Status Date: 11/2009
Status: D - Unpaid
Comments: N/A This is something I'm going to fight. "Campus Lodge" says I signed a lease, I don't remember signing a lease. I was planning on moving until I got accepted to a local school, so I didn't. I've been told this will be really hard to fight, especially if Campus Lodge still has a copy of the "signed" lease.



WAKEFIELD & ASSOCIATES
Agency Address: 5460 S Quebec St Ste 120
Greenwood Village, CO 801111916

Date Reported: 10/2009
Date Assigned: 07/2007
Creditor Classification: Medical/Health Care
Creditor Name: CAREPOINT P C
Account Number: 2123Q77XXXX
Account Owner: Individual Account.
Original Amount Owned: $614
Date of 1 st Delinquency: 06/2006
Balance Date: 10/2009
Balance Owned: $743
Last Payment Date: N/A
Status Date: 10/2009
Status: D - Unpaid
Comments: Medical

CENTENIAL CREDIT
Agency Address: 7901 Ralston Rd
Arvada, CO 800022435
(303) 422-8181
Date Reported: 10/2009
Date Assigned: 11/2007
Creditor Classification: Medical/Health Care
Creditor Name: FALLON HEALTH PC DBA IM
Account Number: XXXX
Account Owner: Individual Account.
Original Amount Owned: $50
Date of 1 st Delinquency: 05/2007
Balance Date: 10/2009
Balance Owned: $54
Last Payment Date: N/A
Status Date: 10/2009
Status: D - Unpaid
Comments: Medical

CENTENIAL CREDIT
Agency Address: 7901 Ralston Rd
Arvada, CO 800022435
(303) 422-8181
Date Reported: 10/2009
Date Assigned: 04/2008
Creditor Classification: Medical/Health Care
Creditor Name: FALLON HEALTH PC DBA IM
Account Number: XXXX
Account Owner: Individual Account.
Original Amount Owned: $27
Date of 1 st Delinquency: 11/2007
Balance Date: 10/2009
Balance Owned: $28
Last Payment Date: N/A
Status Date: 10/2009
Status: D - Unpaid
Comments: Medical

CENTENIAL CREDIT
Agency Address: 7901 Ralston Rd
Arvada, CO 800022435
(303) 422-8181
Date Reported: 10/2009
Date Assigned: 08/2005
Creditor Classification: Medical/Health Care
Creditor Name: REGIONAL EKG INTERPRETATI
Account Number: XXXX
Account Owner: Individual Account.
Original Amount Owned: $28
Date of 1 st Delinquency: 01/2005
Balance Date: 10/2009
Balance Owned: $35
Last Payment Date: N/A
Status Date: 10/2009
Status: D - Unpaid
Comments: Medical

RECEIVABLE SOLUTIONS SPECI
Agency Address: 264 Highland Blvd
Natchez, MS 391204609
(601) 442-0487
Date Reported: 09/2009
Date Assigned: 01/2007
Creditor Classification: Medical/Health Care
Creditor Name: CONCENTRA MEDICAL CENTERS CO
Account Number: 29352372XXXX
Account Owner: Individual Account.
Original Amount Owned: $255
Date of 1 st Delinquency: 06/2006
Balance Date: 09/2009
Balance Owned: $255
Last Payment Date: N/A
Status Date: 09/2009
Status: D - Unpaid
Comments: Medical

REVENUE ENTERPRISES, LLC
Agency Address: 3131 S VAUGHN WAY
SUITE 436
AURORA, CO 80014
(303) 696-1570
Date Reported: 01/2009
Date Assigned: 05/2005
Creditor Classification: Medical/Health Care
Creditor Name: RADIOLOGY IMAGING ASSOCIATES
Account Number: 137XXXX
Account Owner: Individual Account.
Original Amount Owned: $226
Date of 1 st Delinquency: 04/2005
Balance Date: 01/2009
Balance Owned: $226
Last Payment Date: N/A
Status Date: 01/2009
Status: D - Unpaid
Comments: Medical

BUSINESS REVENUE SYSTEMS
Agency Address: 2419 Spy Run Ave Ste A
Fort Wayne, IN 468053250
(260) 471-8973
Date Reported: 10/2008
Date Assigned: 01/2007
Creditor Classification: Medical/Health Care
Creditor Name: ASCEND BILLING SERVICES
Account Number: 369XXXX
Account Owner: Individual Account.
Original Amount Owned: $330
Date of 1 st Delinquency: 09/2006
Balance Date: 10/2008
Balance Owned: $330
Last Payment Date: N/A
Status Date: 10/2008
Status: D - Unpaid
Comments: Medical

DIVERSIFIED ADJUSTMENTS
Agency Address: 600 Coon Rapids Blvd NW
Minneapolis, MN 554335549
(800) 279-3733
Date Reported: 12/2006
Date Assigned: 09/2006
Creditor Classification:
Creditor Name: XCEL ENERGY
Account Number: 730XXXX
Account Owner: Individual Account.
Original Amount Owned: $309
Date of 1 st Delinquency: 08/2006
Balance Date: 12/2006
Balance Owned: $0
Last Payment Date: 27/11/2006
Status Date: 12/2006
Status: P - Paid
Comments: N/A

[MackMomma]

And this one is on my Experian, but not my EQ...

COMMERCE BK

Account Name: COMMERCE BK
Account Number: 587789100008XXXX
Acct Type: Credit Card - Revolving Terms
Acct Status: Closed
Monthly Payment:
Date Open: 2/1/2002
Balance: $1,056.00
Terms: Revolving
High Balance:
Limit: $500.00
Past Due: $219.00
Payment Status: Charge-off
Comments: Credit line closed-grantor request-reported by subscriber

[Trish]

Originally Posted by MackMomma

Can I just dispute all of the medical collections with the CRAs, and see if they come back validated? Would the 1 2 punch work in this scenario? I mean, if I can get them deleted by just disputing them (without paying) that would be awesome! But if my disputes come back validated, should I go ahead with the HIPPA process from there?

Oh, this is all so confusing!!!

You can always try disputing first.. I started out with over 20 medical debts on my CRs and quite a few of them were removed simply from disputing..