Mortgage and Insurance » north http://www.dealnest.com the deals house Sat, 11 Feb 2012 11:04:32 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 Medical Debt Collections Issue http://www.dealnest.com/rebuilding-credit/medical-debt-collections-issue/ http://www.dealnest.com/rebuilding-credit/medical-debt-collections-issue/#comments Mon, 21 Mar 2011 08:57:16 +0000 admin http://www.dealnest.com/deals/medical-debt-collections-issue/ I have a medical bill from 2008 (under $100) from an ER visit.  I paid it online directly to the OC (hospital), but I did not pay it until approximately June 2009.  I never received any documents from the OC stating the payment was misdirected .  It showed up on my credit report under 1 collection agency (CA) in 2010; then, I disputed it and it was deleted.  However, this medical collection that I’ve already paid directly to the OC has recently shown up on my March 2011 credit report under a 2nd CA called Pinnacle Financial Group.  Note, I have not received any phone calls and do not believe I’ve received any letters in the mail fron Pinnacle.  This has adversely impacted my credit score by almost 40 points.

 

From what I’ve read and my understanding of FCRA, attempting to collect a debt and reporting it to CRA is illegal.  Is this correct?  I have disputed this and awaiting a response.  However, what rights will I have if EQ, TU or EXP do not delete it from my credit report?  Also, what is the statute of limitations (SOL) for a CA to attempt to collect debt on a medical bill in North Carolina?  What’s so frustrating is that my credit score that I’ve been working on for a couple of years has fallen from 620 to 584 as a result of this collection recently being reported on my credit profile.

 

I am considering filing a complaint to State Attorney General’s Office from which Pinnacle is HQ’d. 

 

TIA!

]]> http://www.dealnest.com/rebuilding-credit/medical-debt-collections-issue/feed/ 0 Experts Chime in http://www.dealnest.com/rebuilding-credit/experts-chime-in/ http://www.dealnest.com/rebuilding-credit/experts-chime-in/#comments Mon, 07 Mar 2011 11:48:47 +0000 admin http://www.dealnest.com/deals/experts-chime-in/

 

have gone from low 500′s to 615 today withen 6months experts and those knowledgeable

how can i futher improve I have 4 revolving accounts  at 34% utilization i have these posted collections

below and also was late back in 2009 on my capital one card 30days. Also if you have delt with some of

the below collections agency pm me info please..

 

 

 

 

 

 

 

 

 

PMAB,LLC 

Agency Address: 5970 Fairview Rd Ste 800
Charlotte, NC 282100095
(800) 849-0088 Date Reported: 02/2011  Date Assigned: 11/2010  Creditor Classification: Medical/Health Care  Creditor Name: OHPMS GRANT RIVERSIDE MED CA  Account Number: XXXXXXX  Account Owner: Individual Account.  Original Amount Owned: $171  Date of 1 st Delinquency: 02/2010  Balance Date: 02/2011  Balance Owned: $171  Last Payment Date: N/A  Status Date: 02/2011  Status: D – Unpaid  Comments: Consumer disputes – reinvestigation in progress
MEADE & ASSOCIATES 
Agency Address: 737 Enterprise Dr
Westerville, OH 430818850
(614) 436-6160
Date Reported: 02/2011 
Date Assigned: 08/2010 
Creditor Classification:  
Creditor Name: DOCTORS HOSPITAL 
Account Number: XXXXXXX 
Account Owner: Individual Account. 
Original Amount Owned: $180 
Date of 1 st Delinquency: 03/2009 
Balance Date: 02/2011 
Balance Owned: $180 
Last Payment Date: N/A 
Status Date: 02/2011 
Status: D – Unpaid 
Comments: Consumer disputes this account information, Collection account
MEADE & ASSOCIATES 
Agency Address: 737 Enterprise Dr
Westerville, OH 430818850
(614) 436-6160
Date Reported: 02/2011 
Date Assigned: 08/2010 
Creditor Classification:  
Creditor Name: DOCTORS HOSPITAL 
Account Number: XXXXXX
Account Owner: Individual Account. 
Original Amount Owned: $718 
Date of 1 st Delinquency: 02/2009 
Balance Date: 02/2011 
Balance Owned: $718 
Last Payment Date: N/A 
Status Date: 02/2011 
Status: D – Unpaid 
Comments: Consumer disputes this account information, Collection account
ESCALLATE, LLC 
Agency Address: 5200 STONEHAM RD STE 200
NORTH CANTON, OH 44720-1584
 
Date Reported: 12/2010 
Date Assigned: 05/2009 
Creditor Classification: Medical/Health Care 
Creditor Name: EMP OF FRANKLIN COUNTY LTD 
Account Number: XXXX 
Account Owner: Individual Account. 
Original Amount Owned: $210 
Date of 1 st Delinquency: 03/2009 
Balance Date: 12/2010 
Balance Owned: $210 
Last Payment Date: N/A 
Status Date: 12/2010 
Status: D – Unpaid 
Comments: Consumer disputes this account information, Medical
ESCALLATE, LLC 
Agency Address: 5200 STONEHAM RD STE 200
NORTH CANTON, OH 44720-1584
 
Date Reported: 12/2010 
Date Assigned: 05/2009 
Creditor Classification: Medical/Health Care 
Creditor Name: EMP OF FRANKLIN COUNTY LTD 
Account Number: XXXX 
Account Owner: Individual Account. 
Original Amount Owned: $463 
Date of 1 st Delinquency: 02/2009 
Balance Date: 12/2010 
Balance Owned: $463 
Last Payment Date: N/A 
Status Date: 12/2010 
Status: D – Unpaid 
Comments: Consumer disputes this account information, Medical
ESCALLATE, LLC 
Agency Address: 5200 STONEHAM RD STE 200
NORTH CANTON, OH 44720-1584
 
Date Reported: 12/2010 
Date Assigned: 04/2010 
Creditor Classification: Medical/Health Care 
Creditor Name: EMP OF FRANKLIN COUNTY LTD 
Account Number: XXXX 
Account Owner: Individual Account. 
Original Amount Owned: $640 
Date of 1 st Delinquency: 01/2010 
Balance Date: 12/2010 
Balance Owned: $640 
Last Payment Date: N/A 
Status Date: 12/2010 
Status: D – Unpaid 
Comments: Consumer disputes this account information, Medical
UCB COLLECTIONS 
Agency Address: 5620 Southwyck Blvd
Toledo, OH 436141501
(800) 876-6729
Date Reported: 12/2010 
Date Assigned: 11/2010 
Creditor Classification: Medical/Health Care 
Creditor Name: DOCTORS HOSPITAL 
Account Number: XXXX 
Account Owner: Individual Account. 
Original Amount Owned: $1,852 
Date of 1 st Delinquency: 02/2010 
Balance Date: 12/2010 
Balance Owned: $1,852 
Last Payment Date: N/A 
Status Date: 12/2010 
Status: D – Unpaid 
Comments: Medical
W.C.I. 
Agency Address: PO Box 97029
Redmond, WA 980739729
 
Date Reported: 12/2010 
Date Assigned: 01/2010 
Creditor Classification:  
Creditor Name: AMERICAN ELECTRIC POWER SERVIC 
Account Number: XXXX 
Account Owner: Individual Account. 
Original Amount Owned: $447 
Date of 1 st Delinquency: 06/2009 
Balance Date: 12/2010 
Balance Owned: $447 
Last Payment Date: N/A 
Status Date: 12/2010 
Status: D – Unpaid 
Comments: N/A
UCB COLLECTIONS 
Agency Address: 5620 Southwyck Blvd
Toledo, OH 436141501
(800) 876-6729
Date Reported: 09/2010 
Date Assigned: 07/2010 
Creditor Classification: Medical/Health Care 
Creditor Name: DOCTORS HOSPITAL 
Account Number: XXXX 
Account Owner: Individual Account. 
Original Amount Owned: $224 
Date of 1 st Delinquency: 02/2010 
Balance Date: 09/2010 
Balance Owned: $224 
Last Payment Date: N/A 
Status Date: 09/2010 
Status: D – Unpaid 
Comments: Medical
UCB COLLECTIONS 
Agency Address: 5620 Southwyck Blvd
Toledo, OH 436141501
(800) 876-6729
Date Reported: 07/2010 
Date Assigned: 06/2010 
Creditor Classification: Medical/Health Care 
Creditor Name: DOCTORS HOSPITAL 
Account Number: XXXX 
Account Owner: Individual Account. 
Original Amount Owned: $810 
Date of 1 st Delinquency: 01/2010 
Balance Date: 07/2010 
Balance Owned: $810 
Last Payment Date: N/A 
Status Date: 07/2010 
Status: D – Unpaid 
Comments: Medical
]]> http://www.dealnest.com/rebuilding-credit/experts-chime-in/feed/ 0 Rehabing federal student loans http://www.dealnest.com/student-loans/rehabing-federal-student-loans/ http://www.dealnest.com/student-loans/rehabing-federal-student-loans/#comments Thu, 27 Jan 2011 01:43:03 +0000 admin http://www.dealnest.com/deals/rehabing-federal-student-loans/ I know this question has been asked before and I’ve read these boards up and down, but I’m afraid I still don’t exactly understand how this works. So here is my question. I had several stafford loans through the North Carolina State Education Assistance Authority. I defaulted and I was in default status for over 3 years. I recently entered a rehab program. After nine months I will be rehabed through the collection agency (DCS) and then my loans will go back to the North Carolina State Education Assistance Authority. I don’t have to find a new lender like some. NC takes them back if they are rehabed.

 

Question is. What happens to my credit report? The default status goes away, but what about all the years of late/no payments. Do they still show? The loans aren’t going to a new bank/lender like some people’s. They are going back to the original lender. What will my credit report look like? I know it will be better, but how much?

 

After I’m rehabed, I plan to make the required amount of on time payments and then consolidate. I have no idea if that will help my credit, but the lower payment will help me? Thoughts? Suggestions?

 

The rehab payment is steep, but I’m looking forward to putting this behind me and starting over. I’ve worked hard on my credit and these defaulted student loans and one credit card late payment in 2008 are my only blemishes left. I have removed errors and goodwilled all kinds off crap off my credit report.

 

Thanks for any insight or advice.

 

]]> http://www.dealnest.com/student-loans/rehabing-federal-student-loans/feed/ 0 CA sends letter on no longer on Credit Report http://www.dealnest.com/rebuilding-credit/ca-sends-letter-on-no-longer-on-credit-report/ http://www.dealnest.com/rebuilding-credit/ca-sends-letter-on-no-longer-on-credit-report/#comments Mon, 24 Jan 2011 06:54:52 +0000 admin http://www.dealnest.com/deals/ca-sends-letter-on-no-longer-on-credit-report/ Got a letter today that was from Total Card Inc on behalf of North Star Capital Aquisition for an account that I haven’t paid on since April 2004. It has actually rolled off my credit report.

 

I’m really trying to protect my credit now by doing the right thing but I don’t know what to do here.

 

Any thought?

]]> http://www.dealnest.com/rebuilding-credit/ca-sends-letter-on-no-longer-on-credit-report/feed/ 0 when is the recovery going to kick in ? http://www.dealnest.com/finance/when-is-the-recovery-going-to-kick-in/ http://www.dealnest.com/finance/when-is-the-recovery-going-to-kick-in/#comments Sun, 28 Nov 2010 09:19:13 +0000 admin http://www.dealnest.com/when-is-the-recovery-going-to-kick-in/  

That I do not know but I can say this Obama is trying but he’s met with resistment from all angles. Everyone is saying he’s not doing a good job but remember he didn’t make this mess. so he needs more time and help. no one is complaining about all the bull gthe Bush administation caused. he’s the reason we’re in these wars. there was no weapons of mass destruction just greedy ole republicans and the USA being a bully. The real problem is North Korea and you see Bush didn’t mess with them because of China so quit putting everything on Obama and think about how we got in this mess to begin with

]]> http://www.dealnest.com/finance/when-is-the-recovery-going-to-kick-in/feed/ 0 Newbie here…..Just looking to possibly get some insight http://www.dealnest.com/rebuilding-credit/newbie-here-just-looking-to-possibly-get-some-insight/ http://www.dealnest.com/rebuilding-credit/newbie-here-just-looking-to-possibly-get-some-insight/#comments Thu, 21 Oct 2010 00:35:10 +0000 jedwan http://www.dealnest.com/newbie-here-just-looking-to-possibly-get-some-insight/ Hi. Quick introduction: my credit repair began in July of this year after being tired of dreaming about buying a house. Being 30 years old, and a renter, made me realize I needed to do something. So I did. I first signed up for a credit repair company to fix my problems, and within the first month, I cancelled. I should have done some research BEFORE signing up, but oh well…can’t change that now.  I have been semi successful in the last 3 1/2 months.  I’ve had several “popular” CA’s removed, so I hope I will be able to help with what I have done.

 

I would like to recap what I have remaining on my 3 credit reports and what my plan is for each one, and maybe if one of you has some additional advice, I would greatly appreciate it. I am not sure if I can post the CA’s names or not, so for now I will be safe and “hide” them.

 

TU, EX, EQ AFN1 (Old cable bill) $4xx

TU, EX, EQ Rec Man Grp (old hospital bill) $5xx Completed Hipaa process, waiting on some info from OC on this one

TU, EX, EQ Amer H0nda (repo) $9xxx Still in SOL – Plan to leave alone for now

TU, EX, EQ HSBC (chargeoff Orchard) $5xx Still in SOL – Plan to leave alone for now

TU, EX, EQ T@rgett (chargeoff) $8xx Still in SOL – Plan to leave alone for now

EX, EQ Dat@trac (dentist bill) $1xx Need to begin Hipaa process

EX, EQ Dat@trac (utility bill) $4xx

EQ, Dat@trac Duplicate as utility bill above In dispute currently due to being a duplicate

EX SC@ Collections (medical) $3x Need to pay via Hipaa process

EX, EQ Sp@rtan Financial (medical) $1xx Need to pay via Hipaa process

EX North @merican (medical) $2xx Completed Hipaa – no response from OC – Sent FTC complaint

EX Cred1t central $9xx

and then a few 30 day lates Need to goodwill these

 

I have one secured CC that I opened last month, currently at $450 credit limit, plan on increasing when I can until it’s at $1000

When I began, my FICOs were in the LOW 500′s. I’m in the mid 500′s now. I have had ALOT removed, but most were old accounts.

 

So if anyone has any advice for me, I would sure appreciate it!

 

]]> http://www.dealnest.com/rebuilding-credit/newbie-here-just-looking-to-possibly-get-some-insight/feed/ 0 Any info on Allied Legal Services? http://www.dealnest.com/rebuilding-credit/any-info-on-allied-legal-services/ http://www.dealnest.com/rebuilding-credit/any-info-on-allied-legal-services/#comments Wed, 06 Oct 2010 22:36:03 +0000 jedwan http://www.dealnest.com/any-info-on-allied-legal-services/ Hi All,

 

I posted here a few months ago when I got a call from Allied saying that I “defrauded” HSBC and was being sued.  Turns out this was a complete scam.  Basically this company goes around calling looking for you and when they get you on the phone are rude, pushy and seriously violate the FDCPA.  After doing some internet research it seems like Allied Legal Services has done this to a number of people.  They do not accept mail in payments, but instead ask for your checking account information to process a payment or make a payment plan.

 

I am looking into suing these guys for FDCPA violations, but cannot find ANY information on them whatsoever.  They claim to have corporate offices in North Carolina and offices in Jacksonville, Florida but I haven’t found anything to support that.

 

Does anyone out there have info on these guys?  I should note, that I do not believe this is Allied Interstate (another CA with a bad rep for violating the FDCPA) but rather Allied Legal Services.

 

Thanks so much!

]]> http://www.dealnest.com/rebuilding-credit/any-info-on-allied-legal-services/feed/ 0 Cred Star? http://www.dealnest.com/rebuilding-credit/cred-star/ http://www.dealnest.com/rebuilding-credit/cred-star/#comments Thu, 15 Apr 2010 18:43:41 +0000 admin http://www.dealnest.com/2010/04/15/cred-star/ Has anybody ever hear of Cred Star in North Hollywood, CA?

]]> http://www.dealnest.com/rebuilding-credit/cred-star/feed/ 0 N.A.R. Inc http://www.dealnest.com/rebuilding-credit/n-a-r-inc/ http://www.dealnest.com/rebuilding-credit/n-a-r-inc/#comments Fri, 02 Apr 2010 08:34:51 +0000 jedwan http://www.dealnest.com/2010/04/02/n-a-r-inc/  

Has anyone had any PFD luck with these guys North American Recovery Inc (NAR Inc)?  OC (RC Willey ) is reporting as well as NAR.

 On 2nd deletion letter about to send 3rd deletion letter. Next step DV?

 

 

Thanks again!

]]> http://www.dealnest.com/rebuilding-credit/n-a-r-inc/feed/ 0 Asset Acceptance Response to DV–what now? http://www.dealnest.com/rebuilding-credit/asset-acceptance-response-to-dv-what-now/ http://www.dealnest.com/rebuilding-credit/asset-acceptance-response-to-dv-what-now/#comments Fri, 19 Mar 2010 18:47:08 +0000 jedwan http://www.dealnest.com/2010/03/19/asset-acceptance-response-to-dv-what-now/ I bought a computer from Dell back in 2002.  In 2004, I was behind on payments and started a debt management program with Care One Credit.  In 2005, I made my final payment.  Stupid me, I don’t have records going that far back, so I don’t have any info on what the balance should be, but I was able to get a statement from care one just stating the payments that had been made.  A few weeks ago, I received a letter from a CA demanding $2500.  I sent them a dv letter, which was answered by the following letter.  So, my question is, what do I do now?  Although I’m quite certain this was paid to the original creditor in 2005, I cannot exactly prove it.  The principal that they are showing is the original purchase price of the computer, before I ever started making payments on it.  Where they got the interest/fees, I don’t know.  What’s next?

D E B T   V A L I D A T I O N

 

 

 

PRIOR/ORIGINAL CREDITOR:

DELL FINANCIAL SERVICES                                                                  Open date: 9/5/02

12234 NORTH IH 35 BLDG A                                                                   Last pymt date: 5/31/05

AUSTIN, TX 78753 

                                               

ORIGINAL ACCOUNT NUMBER: account number here

 

PRINCIPAL: $1289.33

 

INTEREST: $1167.96

 

 

 

P E R S O N A L   I N F O R M A T I O N

 

       

 

 

For Personal Assistance Call       Linda McDonald Toll Free: 877-234-3936 Ext: 8642 

 

                                                                   

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