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I recently went to court for a debt (a medical debt), and promised to pay on a payment plan. Can I still dispute it even though I promised to pay?
Yes. Again, always dispute ALL YOUR NEGATIVE ACCOUNTS.
If the public record is a judgement, do I just put judgement in my dispute letter? If so, what about account number will I use?
There may not be an account number. Put all the information that’s available. There may be a docket number but if not, just put judgement or how ever it is identified.
Why do they send you a 5 year notice letter to have your name taken off the list? I have just been sending the letters and ignoring what they send? Am I doing the right thing?
Yes, you are. There is a footnote that removes you from pre-approved notices. It helps with the repair process.
I sent out my first round of letters and some of them were joint accounts but now my ex is paying the collection agencies. Will this affect if it will be deleted? Will the collection accounts that have currently disappeared reappear as paid in full? If so, what should I do? Should I wait until he is done paying off everything then send my last two letters?
They will most likely not reappear on your report, but if they do THEN you dispute them. But if they don’t come off, you should dispute it a few more rounds or hire a lawyer to sue the credit [...]
Collection agencies typically have old accounts that have been charged-off and sold from the original creditor. They typically don’t have any proof the debt is yours. If they try to sue you, [...]
Yes, according to my knowledge. Some ways are more effective than others in the ebooks. Your results may vary, but since the information in them are ways that have been successful, you should [...]