Getting Started

[diggingout1]

I have 7 medical collection accounts on my credit report. Some of them are Paid, and I paid them last year using a "conditional endorsement" (on the back of the check with a letter included). The "condition" was that they be removed completely from all tradelines, but they still remain.

My question is; do I send the Verification Letters to the Collection Agency, or the Credit Reporting Agency?

Thanks!

[Trish]

Have you tried disputing them? If not, I would try that first.
If ithey come back verified, contact the company that made the agreement with you and remind them of your agreement.

[diggingout1]

Trish,
Thanks for the quick reply. However, I'm confused as to whom I should send the dispute letter. The Collection Agency or Credit Reporting Agency? :confused:

Thanks!

[nitro69]

Dispute with the three Credit Reporting Agencies by Certified Mail.

[diggingout1]

Thanks!

I've got my letters prepared and addressed.

My credit is really bad. I am in the process of a lengthy divorce (2 years), and times have been tough. I should be settling my divorce estate in the next few months, and would like to buy a home in the near future for myself and my 3 young children. My father (Credit Rating=800+) has graciously offered to add me as an authorized user on 2 of his credit cards. He stated he will choose cards with a high limit, low balance, and lengthy history. Other than the old collection accounts (most of them are paid, but still on my CR), I only have one delinquent accout to clear up. Unfortunately, its CAP1, and I understand they're not the most pleasant to deal with. Any other suggestions or recommendations are appreciated.