Ready To Use HIPPA

[schlmom]

OK, now that I have all of DH's cc baddies off reports, all that is left are med co's. and one utility. All the med CO's are paid, though some have not updated to show that.

 

There are a total of five accounts listed with only two CA's reporting. Two of the accounts were with West Asset MNGT and have been paid for quite sometime. I have disputed them (quite some time ago) saying creditor agreed to remove from reports, or something like that. No go, they just update them. They do show paid. I did pay West Asset (mistake I know, but they were paid before I found CB's).

 

The other three are for Central States Recovery. All are paid, all were paid to the OC. Only one of the accounts have been updated to say paid but they kept in on there, although I never paid CSR. That's neither here nor there, though.

 

I had been confused for a while but Charity's thread answered one of my questions, so I will dispute each of these in ONE letter to the CRA's. If I am understanding this, I do this first, yes? As they are paid, do I dispute as "No Knoweledge" or ask that they verify all of the above saying something to the affect that I am confused as to what these are. Although, the OC is showing on the CR's. It shows Creditor as the CA and then it shows the name of the OC as well. I will use the Med Dispute letter on WhyChat's site.

 

Next, when I get dispute results back from the CRA, if they are not deleted I send the Pre-HIPPA letter with the insert B saying they were paid and to them (for the ones that were).

 

Am I correct. I have put off dealing with these as the HIPPA process has me thoroughly confused and I feel almost sick to my stomache when I think about doing it.

 

Thanks

[Why Chat]

OK, now that I have all of DH's cc baddies off reports, all that is left are med co's. and one utility. All the med CO's are paid, though some have not updated to show that.

 

There are a total of five accounts listed with only two CA's reporting. Two of the accounts were with West Asset MNGT and have been paid for quite sometime. I have disputed them (quite some time ago) saying creditor agreed to remove from reports, or something like that. No go, they just update them. They do show paid. I did pay West Asset (mistake I know, but they were paid before I found CB's).

 

The other three are for Central States Recovery. All are paid, all were paid to the OC. Only one of the accounts have been updated to say paid but they kept in on there, although I never paid CSR. That's neither here nor there, though.

 

I had been confused for a while but Charity's thread answered one of my questions, so I will dispute each of these in ONE letter to the CRA's. If I am understanding this, I do this first, yes? As they are paid, do I dispute as "No Knoweledge" YES, DO NOT CHANGE ANY OF THE WORDING. YOU SAY YOU HAVE NO KNOWLEDGE, (EVEN IF YOU DO) BECAUSE OTHERWISE IT WOULD NOT BE A DISPUTEor ask that they verify all of the above saying something to the affect that I am confused as to what these are. Although, the OC is showing on the CR's. It shows Creditor as the CA and then it shows the name of the OC as well. I will use the Med Dispute letter on WhyChat's site.

 

Next, when I get dispute results back from the CRA, if they are not deleted I send the Pre-HIPPA letter with the insert B saying they were paid and to them (for the ones that were).

 

Am I correct. I have put off dealing with these as the HIPPA process has me thoroughly confused and I feel almost sick to my stomache when I think about doing it.

 

Thanks

[schlmom]

Thanks WhyChat! Sending the letters tomorrow. You guys ROCK!