Next step... DV or Hippa?
Ok, so I just got a 70 point jump in my credit score and am now at 714! That was just from a first round of disputing online. I was planning to do my second round of disputes by paper. All that remains are 5 accounts. 2 of these are medical accounts that should have been paid by someone else. I was injured on a business property (window fell down on my hand) and the place said to bring them the bill and they would pay for it. Ok I was in BOP federal custody at the time, so the BOP was supposed to take care of all my medical bills. That was in 2007. I disputed the accounts just to see if they would fall and they came back verified. I am waiting on the BOP rep to call me back. What should I tell them to do? It is only $300 and I expect that they will pay it. Should I tell them to wait to pay or should I make sure they pay the original creditor and not the CA?
Should I just initiate the HIPPA process now or DV the CA?
Ok the other 3 accounts are from utility companies and a cable company. I know they would not have a signature from me so should I just DV them? One of the utility companies sent me a nasty letter saying that they could sue me if I dont pay within 10 days...the bill is for $98. Will they really take me to court over $98???
Thanks in advance for help, I'm so close to finally getting this cleared! Also, if the account is dropped from my Equifax report is it also dropped from the other 2? I'm just clearing up one CRA at a time.
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