New and have questions about medical debts and judgments

[cgibbons]

I just stumbled onto this website and think it's wonderful. There is so much information that i did not know about. I do have some questions...i've seen so far the steps to start repairing my credit...which isn't great. After opting out, which I didn't know about, and now looking at taking off old addresses and such, my next task would be to "validate" or "dispute" things on my credit report.
We, my wife and I, are looking at refinancing our house and need to get some old medical collections off as well as some judgements that were medical related as well.
Any assistance or help is appreciated.

[Trish]

Wow....I'm sorry I missed this.
Didn't even see the post until I saw you online today.

There is some good info on disputing medical and judgments....read those links and then see if you have any questions.

I hope that helps.

[MDI]

You will first need to order your credit report from the 3 bureaus below:
1. Experian
Tel#: 1.888.397.3742
Website: Experian | Contact Us | Informed Decisions, Smart Solutions

2. TransUnion
Tel#: 1.800.888.4213
Website: TransUnion - Check Your Credit Report and Credit Score Online, Instantly and Securely

3. Equifax
Tel#: 1.800.685.1111
Website: Equifax: Credit Reports, Credit Scores, Protection Against Identity Theft
There are several ways that you may qualify for a free credit report:
• If you have been denied credit recently.
• If you feel that you have been a victim of identity theft.
• If you receive any type of public assistance.
• If you are unemployed, and will be job hunting.
• You also, are entitled to one free credit report a year. www.annualcreditreport.com

Once you receive your credit reports, it is time to start reviewing all the open and closed accounts, collections, judgments, liens, etc.
Before you start looking at all the accounts on you credit report, you need to familiarize yourself with the layout of the report. All 3 of the credit reports will have a different format, so it is very important to get yourself comfortable reading the reports.