That's the situation I'm in.
I have a West Asset Management medical collection for a little over $1200 that will be 4 years old this November. It is reporting on all 3. I had sent them a DV in 2009 and they responded with printouts from the hospital with all my info on it (this was before I knew about the HIPAA process). In 2/2010 I sent the pre-HIPAA letter to EQ and TU (mistakenly not to EX). Both EQ and TU verified immediately without an explanation. I never followed up afterwards.
Fast forward to today - it has been over 2 years. Can I restart the process?
I just received fresh paper copies of all my reports. I've opted out, and just came back from the post office after firing off letters to each CRA requesting the removal of my old addresses.
What's the next step? Can I send the Pre-HIPAA letter to each CRA once I receive confirmation of the addresses being removed? I want to do it right this time.
Edited by CreditDespair, 30 April 2012 - 02:46 PM.