Started Why Chat's medical collection process today

[Raime]

So we want to buy a house and I need to have at least a 620 to qualify for a loan according to our mortgage broker. She sent a copy of my report and I currently have a 563. I have thre medical collections within the past twelve months and she says if I just pay them she can do a quick rescore (or something like that) and I should be where I need to be. I gathered all my information to call the CA listed on my report the next morning. Before the sun came up I came accross Why Chat's program (Thank God). So I did not call anyone. Instead I typed the pre HIPPA letter to the CRA's. I will be mailing them tomorrow. I hope by getting these removed my score gets where I need it to be. I will keep you guys posted.

[yogamom72]

Why did the mortgage broker suggest you just pay the debt in order to qualify?

[yogamom72]

Did anyone see my question stated above?

[Why Chat]

So we want to buy a house and I need to have at least a 620 to qualify for a loan according to our mortgage broker. She sent a copy of my report and I currently have a 563. I have thre medical collections within the past twelve monthsWere the dates of service within the past year?? If so, you will NOT get a deletion with the initial dispute letter. You need to pay the OC health care providers with the HIPAA letter insert "a"

http://whychat.5u.com/hipltr.html

OR follow your mortgage broker's advice and pay the CAs. The HIPAA letter program is NOT suitable for immediate action for a mortgage finance. Make sure you opt out to avoid further problems:

http://whychat.5u.com/OPTOUTINST.HTML

 

You can always get the "paid" medical collections off your reports once you have your house.

 

and she says if I just pay them she can do a quick rescore (or something like that) and I should be where I need to be. I gathered all my information to call the CA listed on my report the next morning. Before the sun came up I came accross Why Chat's program (Thank God). So I did not call anyone. Instead I typed the pre HIPPA letter to the CRA's. I will be mailing them tomorrow. I hope by getting these removed my score gets where I need it to be. I will keep you guys posted.