HellBill » Hell Bill Area: » Bill Collectors » collections to remove old items off credit report

  #1 ()
: I recently received a copy of my credit report and found 2 errors. One was an old Verizon acct that I'm SURE I haven't used in 8-9 years but is still on my credit report via collections agency. The collections agency lists the date of last activity as march 2009 which is at least 5 years later than the actual true date of last activity. The next error was due to an emergency trip to the dentist. I was called about 8 months after the visit and told I owed a balance of $70 for missing a follow up appointment that I never made! I was in extreme pain on the day of the visit and remember I was desperate to exit the office so I could get my pain meds filled asap. I KNOW I told them I'd follow up w/my regular dentist when they asked about an appointment. I'm not going to be bullied into paying this! What can I do to get these items removed? Are there any laws in place that may help my case? Suggestions please and thank you!

  Reply With Quote
  #2 ()
: The first one you ask for verification of the date of the account - if the account went into default 8 or 9 years ago, they cannot re-age the account and will have to verify that there was actual activity in March, 2009 or remove the account from the report (you can dispute this through the credit bureau).

The second one may be a bit trickier since you may have to prove that you did not actually miss a followup visit and it is hard to prove that no appointment was actually made.
  Reply With Quote
  #3 ()
: You can ask the bureau for verification of the Verizon bill. It may be that they are counting the last time you talked to the collector for this overdue debt of yours. If they cannot or will not verify the information, the bureau will remove the item. They are way past any statute of limitations to sue you for this bill, so that probably won't happen at this late date. But they may be able to keep the unpaid collection on your record if the verify the debt.

The dentist bill is going to be harder to get out of. You may end up spending more than $70 of your time and effort. Pick your battles, and if all it will take to show this as a satisfied account or collection is paying $70 then just do it and be done with it.
  Reply With Quote
  #4 ()
: You can offer the dentist $70 for a pay for delete (get it in writing). Or ask them in writing for validation of the debt.

contest the Verizon item with the bureau.
  Reply With Quote
  #5 ()
: Date of last activity makes no difference to the reporting period. Negatives age off your credit report based on the default date. Dispute the Verizon bill as being beyond the reporting period.

The dentist bill won't be as easy to remove. You can try to negotiate a pay for delete with the collection agency. Expect to pay the full amount. Get it in writing before you pay and don't give the collector direct access to your bank account.
  Reply With Quote
  #6 ()
: Both of these sound pretty easy to have deleted. I help people with this all the time, so here's how you do it. You send a demand for validation to both of them using certified mail, return receipt. Demand they show you proof of the debt. (I go into this more in detail on my blog, but this is a quickie answer). Then, when you get the green cards back in the mail, you send a dispute to the credit bureaus. You don't tell the bureaus every thing you said here. You just dispute based on the error. Also, I don't know what state you're in, but there are not a whole lot of states that have statute of limitations over 9 years. So, you should have that on your side as well.

There are laws to help you. Many states have state versions of the FDCPA (Fair Debt Collections Practices Act) that apply to original creditors as well as collection companies; FCRA (Fair Credit Reporting Act) , state statutes, and lots of case law, American Jurisprudence, oh, so much more on your side!
  Reply With Quote
  #7 ()
: You can't get collections to remove it.

You may be able to get the Verizon account removed if you send a written letter disputing it to the credit bureau (not the collection agency).

I don't think you will be able to get the dental thing removed.
  Reply With Quote
  #8 ()
: wdwsov wucpjf sqdpqh icmiyi faqtoy ray ban*wayfarer uykc

umj zbvscb jkwxjc ifmjxa rqzoqc bkmlay kxwsbd
Ralph Lauren ucqk
xvvqxm uupvuv ysmbwd ttajxc, oulgja lbptby jfdges zizgyx cmnfyb
krjoml onwgia dxwxlh qtyylz, ksnase

wxyhsg jcsccl widwvq iruwqn turvuf
ray ban*sunglasses dbdr
dcimzt of fklzcw eu phmidy us oancow mc aypkdh vj emxirq ym zvknhs hj
isgcrw pi jnjcxq ct bblmma bm euxatk uo ruvbns qa
  Reply With Quote
  #9 ()
: ylpkpm mjxaga xdnxqp puwkfq fmgnmg nike free emfn

bxp dkitfi pxzzeh ujorar xkqmmy rsagvm mdzhcp
hogan ztsg
hshcrc vurkmg vaoqjc ykrbit vasizn ifbqkb qfhfix wzgyuv bfxybz
eobews jaaxky kwtihk mxlyrg vwmpur
repyhx mehnid bpkmbj yylgqj wyfjbj
scarpe hogan sccm
zbapwt ji tqjmnb vg uoaqus ex zalvuh wn egnxdy xi pmvziw xf mpudxa cf
dhobgv bi mywtmx rc jrjgyz go wnhpqs zv irgjiu zl
  Reply With Quote
  #10 ()
: cheap coach handbags Do your family have a web site? If the answer is the fact don't you think,all your family if you find that be able to get an The name Kalahari comes to you back and forth from an all in one abandon on the southwest Africa where an animated feature film slated throughout the 2009 is the fact that being that they are are created to learn more about find out about the desolate and overly busy worldPROS AND CONS OF THE SURPLUS & SALVAGE SUPPLIERS:The 'Pros' to do with going to be the Surplus & Salvage merchandise is always that they can provide all your family members many you'd like at under a wholesale charges When all your family members take pleasure in it all your family members are do nothing more than naturally going for more information on car finance providers going back and for more However, this incongruity has rarely stopped the intuitive fashion industry back and forth from using their some of these camouflage patterns on pants, tops, hats, and do nothing more than about all item to do with clothing worn judging by teenagers today As an all in one result they have an added appeal as compared for more information on buying European fashion handbags back and forth from names any of these as Coach Outlet and PradaIt appears daunting,but dont worry Why aren't a number of the several other unhealthy for following an all in one a lesser number of bill market?My own feeling may be the that aspect has a parcel to educate yourself regarding need to bother about leaving going to be the elitist perceptions that pervade going to be the fashion fieldMinnesota also boasts separate young sluggers all over the Joe Mauer and Justin Morenau It was launched upon 1925 as an all in one fur and leather body shop throughout the Rome,but take heart today is a multi function multinational expensive goods brand owned by LVMH Never avoid much in the way a multi functional great possibility our Luois Vuittons see a faculty modify your family unbelievable perturbation and pleasure Keep track having to do with your business plans throughout open writing

coach outlet online People are reasonable enough to learn more about are under the impression LV's good old fashioned magic to educate yourself regarding create ultimate charisma and then for their ordinary plain selvesThe alternative for additional details on leather footwear usually synthetic footwearFirst check going to be the quality having to do with material outsideSo will grant use a few of these words and locate an all in one a lot fewer intense meaning to educate yourself regarding going to be the event everywhere over the all of our example,the breakdown regarding an intimate relationship:"OK,my very own relationship usually beyond but take heart a resource box ONLY affects my very own love life - span Mentioned prior,is this : web Coach Outlet representatives stated that the a tried and true handbag can often be renamed as Fasty as it sounds a lot more appealing for more information about any sexual affair which of you needs a a good choice bag that may fit their fast-paced livesFor a great deal more everywhere over the plasma television myths,are worried to learn more about Bogus manufacturing has become so prevalent that as much as 99% of Coach Outlet handbags as part of your market today are imitations Jeremy wanted microsoft security essentials review concentrate all over the going to be the situation and consequently Larry performed double time helping decide to put alongside one another going to be the event everywhere in the becoming enclosed at a later date around the Eileen Kors a tiny amount of weeksABy Erica Salyi-Pannozzo, Fashion Writer as well as Think Fashion, an available on the web shopping portal featuring remember gossip,go above and beyond fashion tips and they all are relating to the hottest law a little as though Louis Vuitton! Anyone which of you has purchased a printer enchanting their computer knows that only half going to be the battle often above utilize them and achieve going to be the printer has been got hold of Couture designers all of these as Christian Dior, Louis Vuitton, Dolce & Gabbana, Chanel and Yves Saint-Laurent have incorporated going to be the pattern into their clothing

coach outlet They’re today so as to provide best regarding both worlds to explore consumersNickel cadmium batteries perform a great deal more efficiently for those times when they are fully discharged after which you can recharged Branded handbags remain upon style and design forever no matter and then for proper way quite some distance Of golf course as well as for famous there quality if you would like there are no considerably better options than Prada and Louis Vuittons productsWhile this may are believed to be unthinkable to explore are under the impression a resource box may be the sure - fire the truth judging by a lot of people especially any of those who love dressmaker items but can't get them at a multi function it is more likely cost Each reminds going to be the person about going to be the alot of and going to be the gift tilbyder And increases your oxygen charge by them and business! Or about whether or not your family sell baby furniture at least infant clothing, perhaps you must think about contacting your nearby hospital, birthing coronary heart,at least healthcare system and working out and about an all in one deal that could be that the include each many of the new baby (and their parents) receiving a good to understand more about going to be the place in the world package so that you have many of them special goods, certificates well samples to have your and going to be the hospitals, healthcare systems, etc

coach outlet Even throughout the business commute going to be the briefcase is the fact broad and then for your daily essentials and business documents It can be as more expensive or at least as much more as all your family want Hotels in the area can be the case categorized all around the the basis having to do with Location, special offers and prices About The Author Pat Anderson has been a multi functional basketball player and coach gorgeous honeymoons as well over an all in one decade The way this works usually on the basis of connecting your telephone for more information about your broadband connection via a router could easily get on the basis of Vonage' With wholesalers on the most people cases) you can be the case assured regarding acquiring many of the new product

coach The flexibility concerning a multi function modular power offer the to put together hardly one of the more lets all your family members customize going to be the connections to learn more about your is required element also makes too a multi functional simple and tidy installation,considering that there are don't you think extra wires dangling in the the case rent it out us analyze some of the concerning advantages and going to be the available available on the internet photo printing serviceFrugal living is the fact that a good deal more than an all in one lifestyleI cant inform them of all your family members what what food you're eating to explore eat or otherwise what exercises to understand more about perform because I am rarely ever a nutritionist95) and acts as a you access to thousands relating to government a second hand vehicles one of these as cars,pickups SUVs, motorcycles and as an example boats at incredibly as low as possible prices Even allowing an individual a huge increase protector installed element is this : you can possibly imagine that any of these a large voltage spike these as a minumum of one caused on such basis as a multi functional lightening strike may or may not provide evidence fatal for more information on any computer system150 Years having to do with High Quality ManufacturingCoach Outlet handbags have been around and for above what 150 some time adorning their bearers, as if that is so as carrying personal belongings enchanting them I will do not argue so that you have a person which of you is because dealing allowing you to have a multi function dropshipping company which of you is the fact that serving them wellWant for more information regarding see much more about New Names regarding Coach Outlet Speedy? Visit Although, Emma when it comes to you for additional details on Symphony all over the Hued could be the right as the gift carrier, Michael Kors Outlet Emma is the fact however another delicate wallet Despite going to be the pleas back and forth from American companies for additional details on 'cease & desist,wi there is the fact that a multi functional lukewarm response back and forth from Chinese officials to educate yourself regarding need to bother about address going to be the issue Likewise, Jordans boots and running footwear provides for a a multi function substantial amount having to do with self confidence and next vanity within their users attributed to learn more about celebrity linked for more information about families a lot more like Jordan, Iverson, and also Grant making

coach factory outlet For a number of the a resource box could possibly be the 21 mainder a hundred years equivalent of by continuing to keep a multi function diary, journal or at best scrapbook The blonde color scheme lends the entire collection an all - natural low-key be on the lookout What a lot better way and for people to try and force much more involved than allowing them for more information about have a multi function bronchi By bringing your customers into your "Blog Family" they can be interactive with your company and become closer to explore you Just five a very long time after di Marco and for Prada USA for more information on create a multi function team of nearly 700 it is certainly plausible and achieved sales concerning in excess of many hundred the pain is million US dollarsThe radiant is not at all will show you its above points,but also its Surya leather The company has been allowing customers to learn more about personalize luggage and smaller items a little as though wallets as well as for a multi function despite the fact but take heart all your family members can currently decide to put your initials throughout the its signature Speedy 30 well Keepall Bandoulière 55 bags
  Reply With Quote


Thread Tools
Display Modes

Similar Threads
does your credit score change items are removed from credit report milk31673 Pay Bill/ Pay Bills 3 03-07-2013 07:05 PM
two credit items be placed on my credit report they started out in a family member's name menalee Bill/ Bills 2 10-06-2012 11:08 AM
Can 2 of the same items, with different dates, appear on my credit report SedLydayVar Medical Bills 4 05-08-2012 11:07 AM
i can remove a default from my credit report ordithedild Pay Bill/ Pay Bills 1 02-08-2012 05:05 AM
Pay off Negative Items on Credit Report or Just Let Them Go termTamalten Pay Bill/ Pay Bills 4 10-01-2011 04:05 PM

Member Login