doinit

WhyChat, would this be a "bedbug" letter? If not, should I pay the OC with insert "a", and if I do, can the CA still pursue a judgement? Thank You so much for your help. Pay the OC with insert "a", once they are paid the CA would have no grounds to sue you. I paid the OC with separate official bank checks and found that they have not been cashed yet, but I did receive a letter from the OC stating: Dear Doinit, The purpose of this letter is to respond to the two letters with enclosed payments dated May 29, 2012. In these duplicate letters you state you feel that your rights under HIPAA and State Privacy rules have been violated because OC sent information to Credit Systems. The citations you note within the content of your letter refer to the same statutes we would act under. As a covered entity under HIPAA, we are permitted to select vendors to assist with our business operations which we do not provide which include credit and collections services. They act on our behalf. OC will process and work accounts to a certain point and then we seek the professional services of a vendor, in this cas, Credit Systems. The Credit Systems has been a "business associate" (as defined under the HIPAA regulations) of ours since 2003. When the HIPAA rules went into place we put into place a signed business associate agreement. Your letter states we did not have a "permissible business purpose" to disclosing your information. I am in disagreement. The permissible business purpose is for the collection of payment of services rendered. It is within HIPAA rules, specifically 45 CFR 164.501 which defines payment that permits us to use collection agencies. Within that definition itself of "payment" it includes collection services. It further states, "Obtaining information about the location of the individual is a routine activity to facilitate the collection of amounts owed and the management of accounts receivable, and, therefor, would constitute a payment activity." So OC believes it is acting within permissible business purposes and has the necessary documentation in place assuring Credit Systems, as our business associate, handles information we provide in a lawful manner. The information we provide to their service to to perform further payment methods include your demographics, the service date, account number and dollars due us. No additional information about the purposes for services, care you received, diagnosis and the like is provided to them as it is not necessary in order for them to fulfill the services we contract from them. If the payment you included now render your account "paid", there will not be a need for OC to further disclose to Credit Systems, other than letting them know you're now at a "status" of paid.Prior to this, the account was still open and they were lawfully able to follow the processes for collection. I am not able to respond to your request to have Credit Systems to fully delete your information from their files. You will have to take that up directly with them. But as a matter of law, I believe that they will need to retain and document services which will include the information I noted above, as demonstration that they have rendered services on our behalf. As well, I believe also permitted by law this remains on your credit history for a specified period of time. It is my hope this addresses the concerns you have raised within your letter to us. At the conclusion of this writing, I am personally walking the checks enclosed to out cashier's office for posting to your account. Respectfully, XXXX XXXXX Director, Health Information (HIPAA Privacy official) If I am assuming correctly it will not be ok for Credit Systems to post anything to my account as it is paid.

Did you send out the medical DVs to the other CAs?? http://www.whychat.5...cavalhipaa.html If so, did you send the follow up dispute to the CRAs? http://www.whychat.5...aa.html#DISPUTE Don't worry about the form letters you may receive from CRAs, they are the same as "bed-bug letters" http://www.snopes.co...umer/bedbug.asp Thank You WhyChat! The validation I received from Finance Sytems was a letter with the OC name and address on it and the account number and balance, with DOLA. The amount is correct. It isn't a printout from OC. It states: Dear "Doinit", We have completed the investigation regarding the disputed account (s) above. We have concluded with the information received, the account (s) is/are valid. We have updated the account (s) as disputed with the appropriate credit reporting agencies. If you have any questions, please contact our office directly. Sincerely, Debt Collector I have not sent out any medical DV's to any of the CA's as I didn't know if it was ok to do so yet, but if it is, I will get them out. If I am not mistaken, as soon as I receive the green cards back from the CA medical DV's, I send out the follow ups to the CRA's, or do I wait for a reply from the CA's? Thanks so much for your help. OK pay the OC with the HIPAA letter insert "a" Send the medical DVs to the OTHER CAs, send them RR only to street addresses, otherwise send them certified only. As soon as you have proof of their receipt, send the follow up disputes to the CRAs Today I received the green card from the medical dv for the two accounts being reported by Credit Systems. And I conveniently received two detailed bills from the OC for the two different accounts that Credit Systems is reporting. The accounts are valid and the amounts are correct and match the CR, but the account numbers on the bills I received today are different than the ones on my CR's, and the bills came from an office that is in a different city than where the hospital is. I don't know how I can pay them with the HIPAA letter with insert "a" if the account numbers don't match up. WhyChat, have you ever seen this before? Are these left over from insurance?? If so, do you have EOMBs? Yes these are co-pays. I contacted my insurance and they are sending me EOMB's. Pay the OC with insert "a" for the lowest amounts billed by the OC. ( include copies of the bills) Double check to make sure that the "office" is not a CA for the OC. I found that the OC has a hospital in the city where the bills came from, and in the yellow pages the billing phone number for both hospitals is the same as the phone number on the bills I received Address the payments to the HOSPITAL ADDRESS where you were treated. Should I send them to HIPAA Compliance Office at the OC where I was treated? Wait until you get your EOMBs so that you can include copies of them with your payment ( assuming there IS actually a payment due) and yes, address your payment and HIPAA letter to the HIPAA compliance office of the facility you were treated at. WOW, today I get home from work and there is a letter from the CA quote "SINCE YOU HAVE FAILED TO RESPOND TO THE COLLECTION EFFORTS OF THIS AGENCY, IT IS OUR INTENTION TO RECOMMEND TO YOUR CREDITOR THAT LEGAL ACTION BE INSTITUTED. PURSUING A JUDGMENT AGAINST YOU WILL RESULT IN CONSIDERABLE ADDED EXPENSE AND INCONVENIENCE. WE WILL DELAY MAKING THAT RECOMMENDATION FOR (7) DAYS FROM THE DATE OF THIS LETTER" Signed by the president of the CA. Nowhere on the letter does it name the OC. Just a total balance of the two bills. WhyChat, would this be a "bedbug" letter? If not, should I pay the OC with insert "a", and if I do, can the CA still pursue a judgement? Thank You so much for your help.

worked for me Just worked fore me as well It worked for me too! Thanks Supastar

Did you send out the medical DVs to the other CAs?? http://www.whychat.5...cavalhipaa.html If so, did you send the follow up dispute to the CRAs? http://www.whychat.5...aa.html#DISPUTE Don't worry about the form letters you may receive from CRAs, they are the same as "bed-bug letters" http://www.snopes.co...umer/bedbug.asp Thank You WhyChat! The validation I received from Finance Sytems was a letter with the OC name and address on it and the account number and balance, with DOLA. The amount is correct. It isn't a printout from OC. It states: Dear "Doinit", We have completed the investigation regarding the disputed account (s) above. We have concluded with the information received, the account (s) is/are valid. We have updated the account (s) as disputed with the appropriate credit reporting agencies. If you have any questions, please contact our office directly. Sincerely, Debt Collector I have not sent out any medical DV's to any of the CA's as I didn't know if it was ok to do so yet, but if it is, I will get them out. If I am not mistaken, as soon as I receive the green cards back from the CA medical DV's, I send out the follow ups to the CRA's, or do I wait for a reply from the CA's? Thanks so much for your help. OK pay the OC with the HIPAA letter insert "a" Send the medical DVs to the OTHER CAs, send them RR only to street addresses, otherwise send them certified only. As soon as you have proof of their receipt, send the follow up disputes to the CRAs Today I received the green card from the medical dv for the two accounts being reported by Credit Systems. And I conveniently received two detailed bills from the OC for the two different accounts that Credit Systems is reporting. The accounts are valid and the amounts are correct and match the CR, but the account numbers on the bills I received today are different than the ones on my CR's, and the bills came from an office that is in a different city than where the hospital is. I don't know how I can pay them with the HIPAA letter with insert "a" if the account numbers don't match up. WhyChat, have you ever seen this before? Are these left over from insurance?? If so, do you have EOMBs? Yes these are co-pays. I contacted my insurance and they are sending me EOMB's. Pay the OC with insert "a" for the lowest amounts billed by the OC. ( include copies of the bills) Double check to make sure that the "office" is not a CA for the OC. I found that the OC has a hospital in the city where the bills came from, and in the yellow pages the billing phone number for both hospitals is the same as the phone number on the bills I received Address the payments to the HOSPITAL ADDRESS where you were treated. Should I send them to HIPAA Compliance Office at the OC where I was treated? Wait until you get your EOMBs so that you can include copies of them with your payment ( assuming there IS actually a payment due) and yes, address your payment and HIPAA letter to the HIPAA compliance office of the facility you were treated at. WOW, today I get home from work and there is a letter from the CA quote "SINCE YOU HAVE FAILED TO RESPOND TO THE COLLECTION EFFORTS OF THIS AGENCY, IT IS OUR INTENTION TO RECOMMEND TO YOUR CREDITOR THAT LEGAL ACTION BE INSTITUTED. PURSUING A JUDGMENT AGAINST YOU WILL RESULT IN CONSIDERABLE ADDED EXPENSE AND INCONVENIENCE. WE WILL DELAY MAKING THAT RECOMMENDATION FOR (7) DAYS FROM THE DATE OF THIS LETTER" Signed by the president of the CA. Nowhere on the letter does it name the OC. Just a total balance of the two bills.

Did you send out the medical DVs to the other CAs?? http://www.whychat.5...cavalhipaa.html If so, did you send the follow up dispute to the CRAs? http://www.whychat.5...aa.html#DISPUTE Don't worry about the form letters you may receive from CRAs, they are the same as "bed-bug letters" http://www.snopes.co...umer/bedbug.asp Thank You WhyChat! The validation I received from Finance Sytems was a letter with the OC name and address on it and the account number and balance, with DOLA. The amount is correct. It isn't a printout from OC. It states: Dear "Doinit", We have completed the investigation regarding the disputed account (s) above. We have concluded with the information received, the account (s) is/are valid. We have updated the account (s) as disputed with the appropriate credit reporting agencies. If you have any questions, please contact our office directly. Sincerely, Debt Collector I have not sent out any medical DV's to any of the CA's as I didn't know if it was ok to do so yet, but if it is, I will get them out. If I am not mistaken, as soon as I receive the green cards back from the CA medical DV's, I send out the follow ups to the CRA's, or do I wait for a reply from the CA's? Thanks so much for your help. OK pay the OC with the HIPAA letter insert "a" Send the medical DVs to the OTHER CAs, send them RR only to street addresses, otherwise send them certified only. As soon as you have proof of their receipt, send the follow up disputes to the CRAs Today I received the green card from the medical dv for the two accounts being reported by Credit Systems. And I conveniently received two detailed bills from the OC for the two different accounts that Credit Systems is reporting. The accounts are valid and the amounts are correct and match the CR, but the account numbers on the bills I received today are different than the ones on my CR's, and the bills came from an office that is in a different city than where the hospital is. I don't know how I can pay them with the HIPAA letter with insert "a" if the account numbers don't match up. WhyChat, have you ever seen this before? Are these left over from insurance?? If so, do you have EOMBs? Yes these are co-pays. I contacted my insurance and they are sending me EOMB's. Pay the OC with insert "a" for the lowest amounts billed by the OC. ( include copies of the bills) Double check to make sure that the "office" is not a CA for the OC. I found that the OC has a hospital in the city where the bills came from, and in the yellow pages the billing phone number for both hospitals is the same as the phone number on the bills I received Address the payments to the HOSPITAL ADDRESS where you were treated. Should I send them to HIPAA Compliance Office at the OC where I was treated?

Did you send out the medical DVs to the other CAs?? http://www.whychat.5...cavalhipaa.html If so, did you send the follow up dispute to the CRAs? http://www.whychat.5...aa.html#DISPUTE Don't worry about the form letters you may receive from CRAs, they are the same as "bed-bug letters" http://www.snopes.co...umer/bedbug.asp Thank You WhyChat! The validation I received from Finance Sytems was a letter with the OC name and address on it and the account number and balance, with DOLA. The amount is correct. It isn't a printout from OC. It states: Dear "Doinit", We have completed the investigation regarding the disputed account (s) above. We have concluded with the information received, the account (s) is/are valid. We have updated the account (s) as disputed with the appropriate credit reporting agencies. If you have any questions, please contact our office directly. Sincerely, Debt Collector I have not sent out any medical DV's to any of the CA's as I didn't know if it was ok to do so yet, but if it is, I will get them out. If I am not mistaken, as soon as I receive the green cards back from the CA medical DV's, I send out the follow ups to the CRA's, or do I wait for a reply from the CA's? Thanks so much for your help. OK pay the OC with the HIPAA letter insert "a" Send the medical DVs to the OTHER CAs, send them RR only to street addresses, otherwise send them certified only. As soon as you have proof of their receipt, send the follow up disputes to the CRAs Today I received the green card from the medical dv for the two accounts being reported by Credit Systems. And I conveniently received two detailed bills from the OC for the two different accounts that Credit Systems is reporting. The accounts are valid and the amounts are correct and match the CR, but the account numbers on the bills I received today are different than the ones on my CR's, and the bills came from an office that is in a different city than where the hospital is. I don't know how I can pay them with the HIPAA letter with insert "a" if the account numbers don't match up. WhyChat, have you ever seen this before?

Did you send out the medical DVs to the other CAs?? http://www.whychat.5...cavalhipaa.html If so, did you send the follow up dispute to the CRAs? http://www.whychat.5...aa.html#DISPUTE Don't worry about the form letters you may receive from CRAs, they are the same as "bed-bug letters" http://www.snopes.co...umer/bedbug.asp Thank You WhyChat! The validation I received from Finance Sytems was a letter with the OC name and address on it and the account number and balance, with DOLA. The amount is correct. It isn't a printout from OC. It states: Dear "Doinit", We have completed the investigation regarding the disputed account (s) above. We have concluded with the information received, the account (s) is/are valid. We have updated the account (s) as disputed with the appropriate credit reporting agencies. If you have any questions, please contact our office directly. Sincerely, Debt Collector I have not sent out any medical DV's to any of the CA's as I didn't know if it was ok to do so yet, but if it is, I will get them out. If I am not mistaken, as soon as I receive the green cards back from the CA medical DV's, I send out the follow ups to the CRA's, or do I wait for a reply from the CA's? Thanks so much for your help.

I think I have made my thread way to confusing, so I am going to try to sort it out as it stands right now. To start with I had 9 collections with 3 different CA's. 6 from State Collections - showing on TU EQ EX 2 from Credit Systems - showing on TU EQ, not showing on EX 1 from Finance Systems - showing on TU EQ EX I opted out, and didn't have to delete addresses. I got real CR's from all three. I sent WhyChat's CRA dispute letters to all three via CM. I have received the results back from each CRA: 6 from State Collections - TU deleted all 6, EX deleted one and 5 remain, EQ shows all 6 remaining 2 from Credit Systems - TU shows both remaining, EQ shows both remaining, EX doesn't show them 1 from Finance Systems - TU deleted, EQ shows it remaining, EX shows it remaining. I have only received validation from Finance Systems, and I am sending out payment to OC with insert a. I am a bit confused as to what to do now. Do I wait a while longer for the CA's to respond, or do I send the letters to the CA's now? Thank You to all who have helped me get this far. The same way as anyone else, Opt out http://www.whychat.5...OPTOUTINST.HTML Delete old addresses, ( if possible) if you have moved since the date of service Send each CRA ( use the CSC address for Equifax) this: http://www.whychat.5.../hipaadisp.html Come back to this post with your results Thank You! I have done the letters as you show in your sample and will send them out tomorrow CM. I will post any replies I receive. OK, So I should state where I stand right now. I had 9 medical collections from 3 CA's showing on my TU and EQ CR's. 6 with CA (X), 2 with CA (Y), and 1 with CA (Z). EX showed the collections from CA's X&Z ( 7 of the 9). I opted out, didn't need to delete addresses as I have lived here for 13 years.I got real CR's from TU, EX, and EQ. I sent the pre HIPAA disputes to all 3 CRA's (CM), and on checking via the back doors, found that TU deleted 7 of the 9 (CA's (X&Z). EX and EQ were investigating. I have not received anything from any of the CRA's, but today received a letter from CA (Z) that states : Creditor - XXX Pathologists Account Number - XXX Last Activity Date - XX/XX/2009 Principle/Balance - $104.56 Interest - $0.00 Account Balance - $104.56 Dear XXX, We have completed the investigation regarding the disputed account (s) above. We have concluded with the information received, the account (s) is/are valid. We have updated the account (s) as disputed with the appropriate credit reporting agencies. If you have any questions, please contact our office directly. Sincerely, Debt Collector (this is how they signed it) Does this show a valid working relationship between this CA and the OC? If not, what do I do next? Other than not communicate with the CA. I hope this isn't to confusing, but all of the CA's are local. If this were valid would TU have deleted it along with the other 6? Thank You for the help. <Bump> Perhaps I have made this post to confusing. If I have please let me know how to change it. Again, Thank You in advance TU deletes quite easily, however unless you have received a letter of deletion it might be reinserted. If the bill from the pathologist matches your records then pay the OC pathologist with the HIPAA letter insert "a". http://www.whychat.5u.com/hipltr.html Thank You Why Chat. I did receive a letter from TU stating that it had finished it's investigation of my dispute. It stated that 2 of the 9 disputed (CA Y) were verified. 7 of the 9 disputed (CA X and CA Z) were deleted. CA Z is the one you told me to pay the OC with insert A, and I will do that . This probably is a stupid question, and not my first, but how do I track a bank money order / cashiers check? Do I wait a reasonable amount of time, and then go to the issuing bank and ask them to track it? I received a response from EX concerning my dispute. Everything, except one with no balance remained on my CR. I kind of expected this after reading what others have experienced with EX. What I did find interesting though were two disclaimers that would IMO be aimed at people using the WhyChat method.The first is right on the front page of the dispute results and states "When a medical bill is seriously past due, the provider may use an internal collection department, hire an attorney or contract with a collection agency to collect the payments, and this information may be reported to us since it is a financial obligation. Once the payments have been collected, the account will display as "paid/collection" and may remain on the report for seven years. Because we cannot display certain medical information, it may appear in the name of the data furnisher, for example "Cancer Center." To prevent this, we mask the names of data furnishers that provide us medical payment history when we provide your information to others. This requirement does not extend to the payment history that the data furnisher provides us. Your payment history with this creditor will be displayed in reports to others. Sincerely, EX blah blah blah.. Disclaimer number two states "By law, we cannot disclose certain medical information (relating to physical, mental, or behavioral health or condition). Although we do not generally collect such information, it could appear in the name of the data furnisher (i.e. "Cancer Center") that reports your payment history to us. If so, those names display on your report, but on reports to others, they display only as MEDICAL PAYMENT DATA. Consumer statements included on your report at your request that contain medical information are disclosed to others." I haven't received anything from EQ about my dispute with them, and have only had one reply from a CA, and that one is being paid with the letter with insert a. This really can get to be a bit overwhelming with all the reports, and correspondence, but I have made files for each CRA, and I am keeping every bit of information concerning each in them. I am a bit concerned that I may not receive anything from the other reporting CA's, but will sit tight and wait a bit more.

The same way as anyone else, Opt out http://www.whychat.5...OPTOUTINST.HTML Delete old addresses, ( if possible) if you have moved since the date of service Send each CRA ( use the CSC address for Equifax) this: http://www.whychat.5.../hipaadisp.html Come back to this post with your results Thank You! I have done the letters as you show in your sample and will send them out tomorrow CM. I will post any replies I receive. OK, So I should state where I stand right now. I had 9 medical collections from 3 CA's showing on my TU and EQ CR's. 6 with CA (X), 2 with CA (Y), and 1 with CA (Z). EX showed the collections from CA's X&Z ( 7 of the 9). I opted out, didn't need to delete addresses as I have lived here for 13 years.I got real CR's from TU, EX, and EQ. I sent the pre HIPAA disputes to all 3 CRA's (CM), and on checking via the back doors, found that TU deleted 7 of the 9 (CA's (X&Z). EX and EQ were investigating. I have not received anything from any of the CRA's, but today received a letter from CA (Z) that states : Creditor - XXX Pathologists Account Number - XXX Last Activity Date - XX/XX/2009 Principle/Balance - $104.56 Interest - $0.00 Account Balance - $104.56 Dear XXX, We have completed the investigation regarding the disputed account (s) above. We have concluded with the information received, the account (s) is/are valid. We have updated the account (s) as disputed with the appropriate credit reporting agencies. If you have any questions, please contact our office directly. Sincerely, Debt Collector (this is how they signed it) Does this show a valid working relationship between this CA and the OC? If not, what do I do next? Other than not communicate with the CA. I hope this isn't to confusing, but all of the CA's are local. If this were valid would TU have deleted it along with the other 6? Thank You for the help. <Bump> Perhaps I have made this post to confusing. If I have please let me know how to change it. Again, Thank You in advance TU deletes quite easily, however unless you have received a letter of deletion it might be reinserted. If the bill from the pathologist matches your records then pay the OC pathologist with the HIPAA letter insert "a". http://www.whychat.5u.com/hipltr.html Thank You Why Chat. I did receive a letter from TU stating that it had finished it's investigation of my dispute. It stated that 2 of the 9 disputed (CA Y) were verified. 7 of the 9 disputed (CA X and CA Z) were deleted. CA Z is the one you told me to pay the OC with insert A, and I will do that . This probably is a stupid question, and not my first, but how do I track a bank money order / cashiers check? Do I wait a reasonable amount of time, and then go to the issuing bank and ask them to track it? I received a response from EX concerning my dispute. Everything, except one with no balance remained on my CR. I kind of expected this after reading what others have experienced with EX. What I did find interesting though were two disclaimers that would IMO be aimed at people using the WhyChat method.The first is right on the front page of the dispute results and states "When a medical bill is seriously past due, the provider may use an internal collection department, hire an attorney or contract with a collection agency to collect the payments, and this information may be reported to us since it is a financial obligation. Once the payments have been collected, the account will display as "paid/collection" and may remain on the report for seven years. Because we cannot display certain medical information, it may appear in the name of the data furnisher, for example "Cancer Center." To prevent this, we mask the names of data furnishers that provide us medical payment history when we provide your information to others. This requirement does not extend to the payment history that the data furnisher provides us. Your payment history with this creditor will be displayed in reports to others. Sincerely, EX blah blah blah.. Disclaimer number two states "By law, we cannot disclose certain medical information (relating to physical, mental, or behavioral health or condition). Although we do not generally collect such information, it could appear in the name of the data furnisher (i.e. "Cancer Center") that reports your payment history to us. If so, those names display on your report, but on reports to others, they display only as MEDICAL PAYMENT DATA. Consumer statements included on your report at your request that contain medical information are disclosed to others." I haven't received anything from EQ about my dispute with them, and have only had one reply from a CA, and that one is being paid with the letter with insert a. This really can get to be a bit overwhelming with all the reports, and correspondence, but I have made files for each CRA, and I am keeping every bit of information concerning each in them. I am a bit concerned that I may not receive anything from the other reporting CA's, but will sit tight and wait a bit more.

The same way as anyone else, Opt out http://www.whychat.5...OPTOUTINST.HTML Delete old addresses, ( if possible) if you have moved since the date of service Send each CRA ( use the CSC address for Equifax) this: http://www.whychat.5.../hipaadisp.html Come back to this post with your results Thank You! I have done the letters as you show in your sample and will send them out tomorrow CM. I will post any replies I receive. OK, So I should state where I stand right now. I had 9 medical collections from 3 CA's showing on my TU and EQ CR's. 6 with CA (X), 2 with CA (Y), and 1 with CA (Z). EX showed the collections from CA's X&Z ( 7 of the 9). I opted out, didn't need to delete addresses as I have lived here for 13 years.I got real CR's from TU, EX, and EQ. I sent the pre HIPAA disputes to all 3 CRA's (CM), and on checking via the back doors, found that TU deleted 7 of the 9 (CA's (X&Z). EX and EQ were investigating. I have not received anything from any of the CRA's, but today received a letter from CA (Z) that states : Creditor - XXX Pathologists Account Number - XXX Last Activity Date - XX/XX/2009 Principle/Balance - $104.56 Interest - $0.00 Account Balance - $104.56 Dear XXX, We have completed the investigation regarding the disputed account (s) above. We have concluded with the information received, the account (s) is/are valid. We have updated the account (s) as disputed with the appropriate credit reporting agencies. If you have any questions, please contact our office directly. Sincerely, Debt Collector (this is how they signed it) Does this show a valid working relationship between this CA and the OC? If not, what do I do next? Other than not communicate with the CA. I hope this isn't to confusing, but all of the CA's are local. If this were valid would TU have deleted it along with the other 6? Thank You for the help. <Bump> Perhaps I have made this post to confusing. If I have please let me know how to change it. Again, Thank You in advance TU deletes quite easily, however unless you have received a letter of deletion it might be reinserted. If the bill from the pathologist matches your records then pay the OC pathologist with the HIPAA letter insert "a". http://www.whychat.5u.com/hipltr.html Thank You Why Chat. I did receive a letter from TU stating that it had finished it's investigation of my dispute. It stated that 2 of the 9 disputed (CA Y) were verified. 7 of the 9 disputed (CA X and CA Z) were deleted. CA Z is the one you told me to pay the OC with insert A, and I will do that . This probably is a stupid question, and not my first, but how do I track a bank money order / cashiers check? Do I wait a reasonable amount of time, and then go to the issuing bank and ask them to track it?

The same way as anyone else, Opt out http://www.whychat.5...OPTOUTINST.HTML Delete old addresses, ( if possible) if you have moved since the date of service Send each CRA ( use the CSC address for Equifax) this: http://www.whychat.5.../hipaadisp.html Come back to this post with your results Thank You! I have done the letters as you show in your sample and will send them out tomorrow CM. I will post any replies I receive. OK, So I should state where I stand right now. I had 9 medical collections from 3 CA's showing on my TU and EQ CR's. 6 with CA (X), 2 with CA (Y), and 1 with CA (Z). EX showed the collections from CA's X&Z ( 7 of the 9). I opted out, didn't need to delete addresses as I have lived here for 13 years.I got real CR's from TU, EX, and EQ. I sent the pre HIPAA disputes to all 3 CRA's (CM), and on checking via the back doors, found that TU deleted 7 of the 9 (CA's (X&Z). EX and EQ were investigating. I have not received anything from any of the CRA's, but today received a letter from CA (Z) that states : Creditor - XXX Pathologists Account Number - XXX Last Activity Date - XX/XX/2009 Principle/Balance - $104.56 Interest - $0.00 Account Balance - $104.56 Dear XXX, We have completed the investigation regarding the disputed account (s) above. We have concluded with the information received, the account (s) is/are valid. We have updated the account (s) as disputed with the appropriate credit reporting agencies. If you have any questions, please contact our office directly. Sincerely, Debt Collector (this is how they signed it) Does this show a valid working relationship between this CA and the OC? If not, what do I do next? Other than not communicate with the CA. I hope this isn't to confusing, but all of the CA's are local. If this were valid would TU have deleted it along with the other 6? Thank You for the help. <Bump> Perhaps I have made this post to confusing. If I have please let me know how to change it. Again, Thank You in advance TU deletes quite easily, however unless you have received a letter of deletion it might be reinserted. If the bill from the pathologist matches your records then pay the OC pathologist with the HIPAA letter insert "a". http://www.whychat.5u.com/hipltr.html Thank You Why Chat. I did receive a letter from TU stating that it had finished it's investigation of my dispute. It stated that 2 of the 9 disputed (CA Y) were verified. 7 of the 9 disputed (CA X and CA Z) were deleted. CA Z is the one you told me to pay the OC with insert A, and I will do that .

The same way as anyone else, Opt out http://www.whychat.5...OPTOUTINST.HTML Delete old addresses, ( if possible) if you have moved since the date of service Send each CRA ( use the CSC address for Equifax) this: http://www.whychat.5.../hipaadisp.html Come back to this post with your results Thank You! I have done the letters as you show in your sample and will send them out tomorrow CM. I will post any replies I receive. OK, So I should state where I stand right now. I had 9 medical collections from 3 CA's showing on my TU and EQ CR's. 6 with CA (X), 2 with CA (Y), and 1 with CA (Z). EX showed the collections from CA's X&Z ( 7 of the 9). I opted out, didn't need to delete addresses as I have lived here for 13 years.I got real CR's from TU, EX, and EQ. I sent the pre HIPAA disputes to all 3 CRA's (CM), and on checking via the back doors, found that TU deleted 7 of the 9 (CA's (X&Z). EX and EQ were investigating. I have not received anything from any of the CRA's, but today received a letter from CA (Z) that states : Creditor - XXX Pathologists Account Number - XXX Last Activity Date - XX/XX/2009 Principle/Balance - $104.56 Interest - $0.00 Account Balance - $104.56 Dear XXX, We have completed the investigation regarding the disputed account (s) above. We have concluded with the information received, the account (s) is/are valid. We have updated the account (s) as disputed with the appropriate credit reporting agencies. If you have any questions, please contact our office directly. Sincerely, Debt Collector (this is how they signed it) Does this show a valid working relationship between this CA and the OC? If not, what do I do next? Other than not communicate with the CA. I hope this isn't to confusing, but all of the CA's are local. If this were valid would TU have deleted it along with the other 6? Thank You for the help. <Bump> Perhaps I have made this post to confusing. If I have please let me know how to change it. Again, Thank You in advance

Your Age? 59 Your Equifax Credit Score? 632 Your Experian Credit Score? 678 Your TransUnion Credit Score? 685 How many years have you been on file with Equifax? 17 yrs How many years have you been on file with Experian? 17 yrs How many years have you been on file with TransUnion? 17 yrs YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? No Will this open auto loan be a trade-in? N/A How many late pays within the last 12 months on the currently open loan? N/A How many late pays within the last 13-24 months on the currently open loan? N/A Your current open auto loan is financed with? N/A Your current open auto loan payment is? N/A Estimated amount you may be upside down in this vehicle? N/A Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) N/A YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 1 Total percentage utilized overall? 5% How many of your revolving accounts are store cards? 0 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 1 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) YOUR PERSONAL INFORMATION How long at your current residence? 13 yrs Do you Rent or have a Mortgage, or Live w/Relative or Other? Own Your Monthly Rent or Mortgage payment? 1118 (special assessment for sidewalk and water and sewer drove escrow very high this year. good thing is a rebate check next spring and lower payment.) How long have you held your current job? 15 yrs Your total provable monthly gross income is?3285 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) computerized paycheck stub Is there additional monthly income? What amount monthly? no Describe the source. N/A Is the additional monthly income provable? N/A Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) 1000.00 Does any credit repository contain any Public Record? no If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? yes If yes, please very briefly describe. 1 pd charge off from 2006 capital one, 9 old med collections (being disputed) TU deleted 7 of the 9. will pay valid ones Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) pre 2009 - 5 post 2009 - 10 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 10 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 9 New or Used vehicle you are considering: Please very briefly describe. 2012 Nissan Frontier 23 - 24 K MarvBear I'm trying to Hibernate, Don't bother me.

I believe that Cap 1 still owned the account. I never received anything from any CA, and got statements from Cap 1. I don't know when / if it was charged off, but that it what it says on all my CR's, except for TU which deleted it along with some other medical collections I disputed. I will try to find the rule 5000 you talk about, but it sounds like it is to late for that anyway. I don't know if I should dispute that with EX, as it doesn't say that on my EQ CR.

Hi, I'm a bit confused by an item listed in my EX CR. It is for a CO by Cap1 that I PIF recently. The balance was $675.00 and I was still being billed by Cap1. I sent PIF as listed on the Cap1 statement I received in the mail on March 20, 2012 by Bank Money Order. Both TU and EQ are showing the account as paid with 0 balance, but EX is showing Status - Account Charge Off $292 written off Date Opened - 08/2005 Date of Status - 04/2007 Reported Since - 08/2005 Last Reported Date - 04/2012 Type - Credit Card Terms - N/A Monthly Payment - $0 Responsibility - Individual Credit Line - N/A High Balance - $675 Recent Balance - $0 Recent Payment - $0 Account closed at credit grantors request. How can they state that $292 was written off if I paid the total balance as listed on the statement I received from Cap1? Amy help/advice is gratefully appreciated