niceday

Could anyone help me? I am trying to learn more from those who have been successful. Is anyone seeing this post?

bump - And I am looking at real credit reports from annualcreditreport.com from last November. I also pulled a free report to check that they are still showing up currently.

Thanks, Someguy, for helping me understand better. : )

I need to pay a valid medical bill to my original provider and obtain the deletion of the account from ALL 3 credit reports. This medical bill is VALID (I just lost track of it in the shuffle, and forgot about it until I saw it on my reports.) in the amount of $209 to an oral surgeon's office. The date of service was February 2010. The date it was first reported seems to be September 2010 on all 3 reports. I am in Pennsylvania. Question 1: Should I wait longer to dispute this, in case the records are purged after 2 years? I HAVE Opted Out. I HAVE NOT moved. I HAVE deleted old addresses. I HAVE read WhyChat Website. I would like to make sure I am not missing any steps, though. Question 2: Now it is time for me to use the Pre-HIPAA letter?

Is it ever acceptable to arrange a Pay for Delete with a medical debt? Is HIPAA always the only recommended way to go? I have not done anything yet, I am just trying to expedite matters. I am working with a $209 debt and a small family dentist practice. The debt has been "assigned" to a CA. Would it be a good idea to PFD in is case? This is the situation : I want to use a Pay for Delete Letter that includes the language: "this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below." I want to require that the original creditor "1) recall the debt from the collection agency and 2) not send the debt to any collection agency in the future and 3)not verify the debt in the future", and in the same agreement. Also, do I ruin my ability to do a HIPAA in the future if I forward such a request to the original creditor? Or if I phone the creditor and ask if they would be willing to accept such a request?