Should I pay these collections or HIPAA process?

[CheshireCat]

I hope someone can help me out here, you've all been such a helpful resource and I SO appreciate your help! I have read Whychat’s medical collections process, but want to make sure I understand the steps it and that they apply in my situation. My DH and I want to buy a house within the next year and our mortgage broker insists that I need these medical collection baddies off of my credit report to boost my scores.

 

The sums of money are so low, that at this point I would be willing to just pay them off, IF I could guarantee they would be removed from my reports. Our mortgage broker even suggested that I just call the CAs directly and negotiate to pay them and have them removed, but I am worried that they won’t honor the removal from my record. It seems contrary to what I have read here. My understanding is that I should send the Whychat PRE HIPAA MEDICAL DISPUTE LETTER TO CRA and then pay them to the OC with the HIPAA letter insert "a." Is that right for the first 2?

 

These are the baddies that look like I need to still pay them:

 

1. Collection agency: Cbcs

Original balance: $100

Current balance: $100

Status: Not Reported

Date assigned: Sep 28, 2005

Date reported : Mar 09, 2008

Date last active: Not Reported

Original lender: Med1 02 Eye And Ear Sur

 

- This one should have been included in bankruptcy but isn’t on the list of debtors. I don’t mind paying to have it removed, I just want to make sure it IS removed.

 

 

2. Collection agency: Berks Cc

Original balance: $250

Current balance: $250

Status : Not Reported

Date assigned : Dec 13, 2006

Date reported: Feb 24, 2007

Reported Original lender: Med1 02 Hospital Inpt

 

- Again, I don’t mind paying to have it removed, I just want to make sure it IS removed.

 

 

 

These next three WERE included in the list of creditors for our bankruptcy but still seem to be reporting. Anything I can do about these?

 

3. Collection agency: Natl Recover

Original balance: $132

Current balance:

Status: Not Reported

Date assigned: Jan 28, 2005

Date reported: Mar 02, 2008

Date last active: Not Reported

Date paid : Not Reported

Date closed : Not Reported

Original lender Med1 02 Radiology

 

4. Collection agency : Berks Cc

Original balance : $194

Current balance :

Status : Not Reported

Date assigned : Apr 13, 2004

Date reported : Jan 28, 2006

Date last active : Not Reported

Date paid : Not Reported

Date closed : Not Reported

Original lender : Med1 02 Hospital Outpt

 

5. Collection agency : Acct Recov

Original balance : $290

Current balance :

Status : Not Reported

Date assigned : Sep 02, 2004

Date reported : Dec 05, 2005

Date last active : Not Reported

Date paid : Not Reported

Date closed : Not Reported

Original lender : Med1 02 Clinic Ltd

 

 

Finally, I have some collections showing similarly to this one, which DO show they were discharged in bankruptcy. Any way to get THESE removed? Am I just stuck with them sitting there taunting me on my record?

 

Collection on debt to: Not Reported

Collection agency : 496yc00000

Original balance : Not Reported

Current balance :

Status : In Bankruptcy

Date assigned : Jan 01, 2005

Date reported : Mar 01, 2008

Date last active : Nov 01, 2003

Date paid : Not Reported

Date closed : Not Reported

Original lender : Not Reported

 

Thanks in advance for your help!

[CheshireCat]

Bumping.

 

Can anyone tell me if I should use Whychat's PRE HIPAA MEDICAL DISPUTE LETTER TO CRAs on the first tow below? If I use that process, do I need to send a separate letter to each of the CRA that is reporting it, or just to one of them?

[CheshireCat]

Oky, I'm still looking over the HIPAA process and I have a couple of questions.

 

Can I combine the 2 collections in one letter to the CRA? do I need to send them in 2 separate letters?

 

Must the letters be handwritten, or can I use my computer and print them out in itallic teal or purple font?

 

Thanks again!

[Why Chat]

Oky, I'm still looking over the HIPAA process and I have a couple of questions.

 

Can I combine the 2 collections in one letter to the CRA? do I need to send them in 2 separate letters?

 

Must the letters be handwritten, or can I use my computer and print them out in itallic teal or purple font?

 

Thanks again!

Yes you can print it on your computer in itallic teal or purple font, however you should print it on a paper with a "background"

similar to a yellow legal pad with blue lines, or import a "stationary" design for the background as a watermark.

 

Yes you can put both collections in one medical dispute letter, however if you are disputing to several CRA's make sure the account

information matches in their letter, as frequently the same account will be reported differently for each CRA.