***Repost*** KNOW YOUR CREDIT REPORT!!!
Friday, February 15, 2008

Posted in Financial Stewardship

Repost from 2007 

I have just found 3 errors in dougs credit report. I praise God for providing us with wisdom.

ALL 3 are from hospital claims that were triple claimed. Basically fraudulant claims MANY times over. How do I know? Our insurance company sends claims to me and I have access to the claims 24/7 online. I've looked up the claims and have found what the insurance company has paid out and what I have left to pay....which isn't all that much. Lets say out of 2000.00 worth of medical procedures I've had, we've only had to pay 25.00 and somehow on dougs records he's being charges 3 times for each of the three bills adding to triple that amount.

I noticed this and called the Insurance company who is sending me the "Official" claims via snailmail and I am disputing dougs credit report as we speak.

This happens FAR too often....PLEASE make sure you check your credit reports. Credit reports are FREE through AnnualCreditReport One for each company. Thats right. One free credit report PER company.

The financial class I attended, teaches NOT to use each one at the same time period, but spreading them out within the year. Like every four months or so. That way you can see if anyones Tampering with your account, or if there are things on your account to dispute.

Don't forget to Opt Out of getting direct mail marketing for pre-approved credit card offers and unwanted telemarketers at 1-888-567-8688

You must also write the addresses below to continue not receiving the mails or you will be bombarded with mailings again:

For Direct mailings:
Mail Preferance Service
Direct Marketing Association
PO Box 643, Carmel, NY 15012

For Telemarketing:
Telephone Preference Service
Direct Marketing Association
PO Box 1559, Carmel NY 15012

****Also, be aware that you can dispute wrongful reporting online and they MUST get back to you within 30days of reporting dispute or the Credit Companies MUST take that dispute off your credit report!!

National Do Not Call Registry:1-888-382-1222
or register online National DNCR

Other Useful Links:
OFFtelephone

OFFmailinglist

For future purpose or in case anyone may need this:

* Payment in Full does not remove your payment history. The length of time, information remains in the file is:

Credit & Collections accounts- 7 years, plus 180 days from the date of the origional delinquency.

Courthouse records- 7 years from the date filed,with exception
of Chapter 7 & 11 bankruptcies which
remain for 10 years from filed date.

**** NOTATE that the creditor WILL attempt to extend the 7 years by re-reporting the delinquency. However this violates the Fair Credit Reporting Act and can be challenged as an inaccuracy.

* New York State residents ONLY: Satisfied judgements five years from the date filed; paid collections five years from the date of last activity with origional creditor.

**There may be what appear to be duplicate accounts reported in your credit file. This could be because some credit grantors issue both revolving and installment accounts. Another reason is that when you move, some credit grantors transfer your account to a different location and issue another account number (or some could be like mine, which are truely duplicates from the same medical company...be sure to check your account numbers with your statements. do not take their word for it)

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