whyChat....a couple of questions.

[Reese2107]

I have one single medical collection from last year. On experian...the CA first source advantage last reported in January of this year...and first reported somewhere around 9/07/2013. The account t status is marked as CLOSED. nothing reported to Equifax. However...on Transunion...a different name...The name of the hospital was used to report the debt. Reported 9/17. Two weeks after the CA reported....I was confused as to how to proceed with the closed account status on Ex. She the status with the hospital name on transunion is under open....but has yet to report any derogatory info besides that. The debt is indeed mine....and I am willing to pay it....however the account status on ex....and the the completely different name reporting for the same debt on Tue...as open is worrying me.

[Why Chat]

Follow all these steps:

 

http://www.whychat.5u.com/GUIDEBOOK.html

 

You dispute the account on any report exactly as it is reporting.

http://www.whychat.5u.com/GUIDE%20HIPAA%20PROGRAM.html

IF the reporting CA responds( to your initial dispute to the CRAs) with a verification that matches your records, you can then pay the hospital with the HIPAA letter insert "a"

[Reese2107]

Thanks why chat. After I get the rest of the most ey and first few steps taken care of. I'll post back here. Probably an ignorant question...but I was wondering if there was one single address I am supposed to send these disputes to...regarding Ex...and Tu. I Dont want to send them to the wrong place...and I was also curious about the format of the letter. I've seen things like teal font, twelve point, italics, and a blue watermark . Anything else I'm missing? Single spaced, double spaced? Times new roman? I just want to make sure I do it exactly right the first time. Thanks again.

[Why Chat]

Use the address that is given on your credit reports.

 

As to the font on the initial dispute letter. If you can't hand-write it in longhand on blue lined yellow legal pad paper, the next best thing is to use a script font in a color that will blend in with a background color on the paper you are printing it on. Single space to add difficulty for the automated scanners.