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I have a situation where I was told that a medical debt would be written off due to billing errors, and I have this in writing. Well over a year later, this same debt showed up on my credit reports. I wasn't sent a bill or contacted in any other way. The old, supposedly written off debt just suddenly appeared on my credit reports. I contacted the person in charge of billing at the company multiple times and provided the written documentation indicating the debt would be written off, but to date my efforts have been met with complete silence. The issue is being completely ignored by the company. I have done the first step of the Whychat process by disputing the debt with the CRA's and establishing a relationship between the OC and the CA. My question now is whether I should tweak the HIPAA letter to the OC to fit my circumstances. There is a lot of wordage in the letter about the debt being a PAID debt , but this debt was not supposed to require payment. I would appreciate any guidance you can offer on the matter. Thank you!

Thanks for this info, I appreciate it!

Hello, I have a question about the letter that goes to the CRA(s) once the original healthcare creditor has received the HIPAA letter and has cashed the money order. Can the follow-up letter to the CRA(s) be typewritten or should it be handwritten like the CRA disputes are at the beginning of the Whychat HIPAA process? TIA!

Thanks for this info. It helps a lot!

If anyone has done a balance transfer with Elan recently, I'm just wondering if it they do it electronically or if they send a check. This will help me schedule the BT accordingly. I thought banks / credit unions were all caught up to the 21st century, but my last BT through Navy was paid by check. That kind of blew my mind, and it took a full week to go through. Thanks!

Thanks!

Does anyone know if you can BT balances from two different banks under the 0% offer?

Try this... I discovered my FICO score is still available on Amex, the link is just moved to a different page. Click on the Account Services link at the top of your account page. Click on Personal Details. The FICO score link should be in this section.

As Kat posted, I found the link to view my FICO score buried on a different page of my account. Check out this post...

To update, my Amex homepage still shows the offer for the free TU report/Vantage score. The link to view my FICO score is still around though. I click on the Account Services link, then look under the Personal Details section. My score updated a couple days ago for December, so it's still an active feature on my account. It just takes a couple extra clicks to get to it now.

Thanks, I appreciate the info!

Do you have any Discover cards? I'm just wondering if that makes a difference when it comes to Discover Scorecard and frozen credit reports.

For now, at least, it appears the link to "View FICO Score" has been moved to another page on my account. I found the link under Account Services, at the bottom of the Personal Details section. The score has not updated for December yet (usually happens between the 2nd-7th of the month). I'm hoping it actually updates and that the link doesn't eventually disappear.

Thank you!!

I should add that I got this with the EveryDay card. It was my only card with an EX FICO. Dangit.