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I have started the HIPAA process and I'm using this thread to track my progress and solicit advice on the journey. My baddies when starting the process: EXPERIAN Central Fin Cntrl $655 (inserted at $685, verified several times at this amount then changed to $655 with no payments made) United Rev Corp $250 United Rev Corp $250 United Rev Corp $374 United Rev Corp $214 EQUIFAX Credit Sys Intl $118 Central Fin Cntrl $685 TRANSUNION Central Fin Cntrl $685 Credit Sys Intl $118 I have: Opted out Deleted old addresses on Eq and TU (EXP wouldn't budge) Sent Pre-Hippa letters with "funny font and paper" to each CRA with the above accounts listed by certified mail NO RRR TransUnion deleted Credit Sys Intl and state Central is verified, no change Equifax, well CSC, sent a letter to verify my identity and fill out a form. I DID NOT respond, don't know if that's good or bad. Experian did not respond at all! No suspicious request letter, no verify your identity letter, just nothing. My accounts were not marked in dispute either, although I know they received my letter 1/20/11 per USPS website. My first question is: Do I pursue contacting Experian for not investigating and send the requested info to CSC or continue the process by sending the next letter to each reporting CA?

Yes, this is for my husband.

No, he has no previous installments.

Credit Application: Your Age? 28 Your Equifax Credit Score? 621 Your Experian Credit Score? 693 (USAA FAKO) Your TransUnion Credit Score? 644 How many years have you been on file with Equifax? 8 How many years have you been on file with Experian? 8 How many years have you been on file with TransUnion? 8 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? 2 Total percentage utilized overall? 12% 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) 2 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) Not sure, BBRZ and Cap1 Plat YOUR PERSONAL INFORMATION How long at your current residence? 8 months Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent Your Monthly Rent or Mortgage payment? $1250 How long have you held your current job? 2 years Your total provable monthly gross income is? 4600 Your provable monthly gross income is provable via what method? computerized paycheck stub or tax return Is there additional monthly income? What amount monthly? No Describe the source. N/A Is the additional monthly income provable? No Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? $1000 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, $350 medical collection from 2006 on EX and EQ Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 10 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) None on file Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 10 New or Used vehicle you are considering: Either new or used compact car for commute to work, $16K max

My husband received a pre-approval letter from Cap1 in today's mail for up to $30,000 if he goes to a particular dealership near our town. Would it be the same process if we accept? I don't guess I mind as long as we get the approval but if we were unable to find what we're looking for at that dealership I'd hate to waste the inquiry. Thanks for the info!

Does Cap1 pull all three for the auto loan?

http://creditboards.com/forums/index.php?showtopic=240327

How were you able to get the CA fax numbers?

bump

This one is not a medical collection. I am in the process of disputing medicals using WhyChat's process now. I need advice on this collection for after I complete that phase.

I am currently in Whychat's HIPPA process but I am hoping for some insight on how to handle this collection agency when that is complete. I have Conserve on all three credit reports for $950. I know where the ORIGINAL debt came from but it was not this inflated amount, it was a couple hundred less. I requested validation and received a letter addressed to me but with all of their information on it. The letter referenced their delinquent account and attached to it was an itemized statement which has her SSN, address, phone number, school ID number, and so forth. I could even tell you what her college major was. My question is how to get this account removed from my file. Is there anything specific I need to say when I reference what they sent? Will this give them an opportunity to claim bonafide error and re-send the correct information? I want to make sure this isn't done to someone else in the future as well. I would hate for someone to get my information and in all likelihood she could very well have MY "validation" while I have hers. Any help or insight would be much appreciated since I've never really crossed this bridge in my journey.

My sister was both irresponsible and a victim of identity theft for several years before she realized it. When we first ordered her reports, she had no less than 52 negatives and 3 positives on each report. Her FICO for EQ was 403. I don't want to know what a 300 score takes.

I gave in, this is me and the second picture is with my step-daughter.