Deluzioned
Junior Member
What is the name of your state (only U.S. law)? AZ
i have an old ambulance bill (2007) that was apparently only partially covered by my insurance. It only hit my credit about a year ago. About 3 months ago, after disputing several things on my CR, it was deleted. My score shot up over the last 2 months due to paying off all my credit card debt that i accrued over a year of unemployment.
Just 3 days ago, the CA re-reported this debt. Which of course just crashed my score into the low 500's. Now if i had this item deleted, is it legal for them to re-report?
If so, then what should my next course of action be? DV letter? The letter the CA originally sent me already offers a 50% settlement right off the bat. Should i just call them and see about negotiating for this item to be deleted from my report, if i pay? Send a goodwill letter begging for it to be removed upon payment?
What do i do!?
i have an old ambulance bill (2007) that was apparently only partially covered by my insurance. It only hit my credit about a year ago. About 3 months ago, after disputing several things on my CR, it was deleted. My score shot up over the last 2 months due to paying off all my credit card debt that i accrued over a year of unemployment.
Just 3 days ago, the CA re-reported this debt. Which of course just crashed my score into the low 500's. Now if i had this item deleted, is it legal for them to re-report?
If so, then what should my next course of action be? DV letter? The letter the CA originally sent me already offers a 50% settlement right off the bat. Should i just call them and see about negotiating for this item to be deleted from my report, if i pay? Send a goodwill letter begging for it to be removed upon payment?
What do i do!?