Year: 2009

Medical Collection Removal Letter

Use this letter for paid medical collections. This letter is specifically designed to leverage HIPAA laws. I recommend you check out the statue of limitation on medical bills as well. If it’s past the statue of limitation you can simply dispute the entry. Sample Medical Collection Removal Letter …

Goodwill / Forgiveness Removal Letter

For older collections and late payments, one of the most successful ways to get an item removed from your credit report is to simply ask the original creditor or collection agency to do so. Note: Goodwill letters are meant to be personal and reflect your individual situation. Sample …

Negotiate A Complete Removal

Use this letter in attempting to negotiate a complete removal or PAID AS AGREED on a debt that states CHARGE OFF or SERIOUSLY PAST DUE on your credit report. Sample Complete Removal Negotiation Letter Instructions Fill in all fields highlighted with your information If contacting a collection agency, …

Short Sale Vs. Foreclosure

I received a reader question that opens an important topic – short sale vs. foreclosure. This was a big issue a decade ago during the Financial Meltdown when millions of people were losing their homes. It’s not as common today, but if you’re under extreme financial stress, and …

Statute of Limitation On Medical Bills

Question A majority of my credit reporting issues are, unfortunately, alot of medical bills I’ve been unable to pay over time. Not sure how these are seen in terms of the statute of limitations, but I recently received a letter from the collection agency that owns all of …