Condition? Help!

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  • #44519
    Tiffany1513
    Member

    Help guys…I got this condition back. I do not really understand what they want me to say. This is the 2nd time I am writing an LOE for this bill. It is with collections from 2015. Do they want me to pay it? I’m not making payments or anything on this account. It was removed from my credit in March 2018 and added back in June 2018. I tried to show my credit reports to them to prove it had been removed then added back but they didn’t care about that. What do I do from here? This is really the only thing keeping me from qualifying at this time. My MC told me not to pay it but then she tells me this is what the underwriter is saying. I am totally confused as to what they want and of course my MC never responds. Any advice?
    Thanks.

    Late payment Explanation – Provide a letter of explanation for the late payment referenced on this account. Ensure it states why late payments are reported, how they were resolved and what has changed about the situation that suggests it not likely to go late again. The letter must have the account name, account number, signature and reference the specific months and year of the late payments. Comment: MED ******* balance $1215. Letter in file is not related to specific medical debt. Ensure letter addresses everything in condition.

    #44538
    FavorJ
    Member

    @Tiffany1513 Are you in the process of qualification or bank app? I would just write a letter explaining that particular bill, what it is and what reason it’s outstanding,etc. I can’t say specifically what you should write except give a explanation on each point they requested.

    Good luck

    J

    #44547
    Tiffany1513
    Member

    @favorj I am in the process of qualification. Thanks.

    #44548
    FavorJ
    Member

    Awesome! Remember to save EVERY document you upload to your webfile. I suggest saving a copy on your Google drive. For some reason, the docs we upload sometime’s are unviewable by NACA. Also use your email for your webfile. I usually upload it and email it and cc the counselor.

    I wouldn’t try to remove the item from CR again (just me)…cause u neget know when it will pop up again. If it’s older than 2 years most times it won’t keep you from qualifying. Especially medical….confirm with your counselor.

    J

    #44551
    Tiffany1513
    Member

    I will thank you. It has been a nightmare trying to get this far. I can’t get anything from my counselor. It is only 2 of them in my city. They are so backed up…I’ve been trying to get qualified for almost 2 years now. I am so ready to give up but I feel like I am almost there.

    #44567
    TTrumble
    Member

    Hello Tiffany1513,

    The fact that this was added back to your credit file in June would make the removal in March irrelevant. You are going to have to deal with it as it presently stands.

    The comment “Letter in file is not related to specific medical debt” implies that you submitted some sort of generic or otherwise vague letter when the debt must be specifically addressed individually, including the specific points referred to in the underwriter’s comments.

    I’m not entirely sure why you are confused by it, but the comments are very specific about what they want in the letter. It must be specifically about that particular debt and refer to the debt by name and account number and specific months that the account was past due. It must also explain why the account became past due, how you have brought the account current and what actions you have taken to make sure it does not go past due again.

    Write the letter, get it into your file, and email your counselor that it is there. The sooner you do that the sooner we can get you qualified.

    Tim Trumble
    Online Operations, NACA
    ttrumbel@naca.com

    #44573
    Tiffany1513
    Member

    @ttrumble I am confused because I was told by my counselor not to pay the debt at all since it was over the 24 month rule. That is why I contacted her again to ask but I can’t get an answer. If that is what it means then I am unsure why the counselor is telling me not to pay it. Even member services doesn’t quite understand it. They have tried to ask the counselor but she is unavailable. I have never paid on this debt because the collectors were saying they were unsure it was mine. I could not understand that either. I am also trying to figure out how there is a late payment when I never paid anything?

    #61310
    2BLESSED
    Member

    I don’t want to rain on your parade @Tiffiny1513 but it sounds like this has to be resolved in some form or fashion. It appears that they may want the bill to be paid or possibly payments arrangements. I am not sure if you will get through qualification with an outstanding bill. The creditors have the right to put the bill back on your credit report until it is paid in full. I am confused as to why you think you are not responsible for paying this medical bill if it is in fact yours??? I suggest trying to contact the creditor and see if you can get it settled (you will probably only be responsible for a fraction of the total amount). Ask them to provide a letter stating paid in full and to update your credit file ASAP. Once you have the documentation the bill is paid and your credit file updated you will never have to worry about this popping up again. Your LOE can explain why you were not able to pay it at that time and now it is taken care of.

    This is possibly a temporary setback for your big comeback.

    Good luck and God bless.

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