Quality Credit Solutions

bankruptcy

jedwan — Tue, 07 Feb 2012 22:38:59 +0000

what is the myth of bankruptcy?

Medical Records Issue

jedwan — Tue, 07 Feb 2012 10:38:59 +0000

I had a question about false information/statements by a doctor on my medical records.

My treatment was discontinued and I was dismissed from a medical practice focusing on pain management. I requested that a copy of my records be sent to another MD so I could continue my treatment. The new MD gave me a copy of those records that were sent to him for reference.

On one of the records for my final visit (and subsequent dismissal….) to the previous MD’s office it states in the objective section of the notes that the MD gave me an assessment/physical, one of the notes says:

“There is tenderness to palpation in the right lumbar area”

Now I find that odd when I NEVER saw the MD in the first place nor was I ever given a physical. A nurse came in and just took my vitals and that was it. The only other person I saw was a nurse practitioner who came in to tell me that they were dismissing me and discontinuing treatment.

On another record for the same visit there is a section titled “ATTESTATION STATEMENT” where it says “I attest that I was physically present for key portions of the history, physical, assessment and plan” signed by the MD.

Once again I find this odd because the MD was NEVER in the room with me. I had asked the nurse practitioner to speak with the MD, she left the room for a few minutes then came back in and stated “The Dr cannot see you now because he is busy with patients”. I stated that I was a patient and had an appointment scheduled to see him that day, she stated that he could not see me.

Some of my other records also state that the MD did physicals on me while I was NEVER touched by ANYONE…..

Isn’t this basically falsifying information on my medical records?

Assets willed to a deceased spouse

jedwan — Mon, 06 Feb 2012 22:39:11 +0000

My stepmother passed leaving everything to my father and my father passed leaving everything to her. My father has 14 children and she has 7 children, why does everything or how does everything go back to her children and nothing to his children?

Equifax – Fraudulent Address Back on my report

jedwan — Mon, 06 Feb 2012 10:39:09 +0000

Hi all,

I’d love to know how this happend….I cleared it up with Experian a while ago….a fraudulent address was on my credit report, somewhere in the ghetto of Philly – something to do with when my wallet was stolen, had carried my social security card and dl in it, another story; in anycase, I got the address off of the Experian Credit report, and many others…. There is NO doubt in my mind that this ghetto address belongs to the same thieves that stole my wallet…no doubt.

I just pulled another EQ report realtime and noticed that somehow that ghetto address was added to EQ now – I disputed it as a fraudulent address, but really, I wonder how did EQ even get that address in the first place? how did it make it to that report? Just two days ago, I checked and they finally changed my address to the correct one, now the former address showing is the ghetto one? All of my creditors have my current address.

I have FA’s on all reports with my mobile number; I’m frozen with EQ and EX but not TU. Still, don’t think they can get through the FA on TU, good luck if they could. Maybe I should throw TU on ice.

How the heck could this happen? where in the world did EQ get that address? why would they add it now?

Any insight as to how this could have happend? Thank you in advance.

Same lates being reported by different entities?

jedwan — Sun, 05 Feb 2012 22:39:07 +0000

Hi,

First off I just started working on repairing my credit and want to thank this forum for already providing some invaluable information. I recently received a copy of my credit report from Equifax and I’m wondering about the way some “lates” are being reported.

I had a credit card with USB that had the following late payments:

Feb 2007 – 30 day

Mar 2007 – 60 day

Apr 2007 – 60 day

On April 2008 that account was transferred/sold to another entity, Metaindigo.

The Metaindigo entry on my credit report looks identical to the USB one. It lists the same exact lates on the same dates:

Feb 2007 – 30 day

Mar 2007 – 60 day

Apr 2007 – 60 day

Now I have not had any kind of relationship with Metaindigo before April 2008, when they bought my debt from USB. How can they report these payments as lates? Metaindigo lists the account open date as Aug 2005, which is when I opened the account with USB but in actuality Metaindigo had absolutely nothing to do with that account before April 2008.

Is this a standard way of reporting these things? I feel like I am being doubly penalized – I incurred 3 late reports in actuality yet there are 6 on my report. Should I dispute this? Can anyone give this credit-fixing noob any info on how I should proceed? Thanks in advance.

Applied for card online and someone called an OLD phone/address as fraud alert

jedwan — Sun, 05 Feb 2012 13:36:00 +0000

I applied for a Capital One card online last week (moving abroad and they don’t have foreign transaction fees). I was approved immediately. A couple days later my parents said someone called them from Capital One saying there was a fraud alert that someone was trying to open a card in my name, and gave an 800 number to call, but my parents didn’t take down the info.

I haven’t lived at their address in over ten years, and in fact their area code has changed in the meantime so old credit report entries wouldn’t have had the right phone number anyway (not that it’s that hard to look that up elsewhere). I’ve lived in several other places in the meantime, but of course don’t know if someone tried to contact those places too.

It doesn’t seem like coincidence, but why would they contact a really old number like that? I gave current contact information and it matches what’s on my credit reports, and they have emailed me already to say they shipped the new card, so I guess they didn’t think there was fraud after all. Is this normal and should I be concerned?

What quality of vodka to use in a vodka watermelon?

jedwan — Sat, 04 Feb 2012 22:39:15 +0000

I am a vodka watermelon. No need for instructions. Wondering what the quality of vodka is the best thing for this kind of infusion? Let me know what you have tried and taste the best! Thank you!

Have you used MMI Debt Management?

jedwan — Sat, 04 Feb 2012 10:39:03 +0000

When I logged on today (it’s been a while) there was a debt management tab with a company called MMI. It looks as though myFico sponsors it or endorses it. Has anyone used this company and what do you think of it if you have?

Loans w/car as security

jedwan — Fri, 03 Feb 2012 22:40:40 +0000

I need some cash for short term. Are there any credit unions or lenders that I can use my $12-$15K car as security? Paid cash 4.5 yrs ago and have the title.

Thanx

My medical debt on daughter’s credit report

jedwan — Fri, 03 Feb 2012 10:39:51 +0000

My 20 yr old daughter who is a college student was having trouble getting a credit card even though she had absolutely no debt or collections, so she pulled her credit report. Turns out there were 2 paid medical collections on her report from 2 years ago when broke her finger and went to the hopsital while away at college when she was 18. As a full time student and my dependent she was covered by my insurance. I was late paying the co-pays of $32.00 and $30.00 but that ended up on her credit report not mine. She never even knew about the bills because they came to my house and she was away at college. I feel absolutely horrible that my actions would affect her like this. She is very responsible and has 3 jobs while taking 18 hours in school and wanted to start building her credit.

I disputed both of them online but both were verified. I also sent letter to the credit agencies explaining the issue and asked them to move the collections to my name – that didn’t work. I have talked to the billing offices of the doctors, but they just say that there is no balance due. What else can I do? I assume that they went on her credit report because she was 18 at the time, but is there some rule about her being my dependent that would work? Or maybe HIPAA rules?

Any insight will be greatly appreciated. I really need to get this fixed for her.

Thanks!