Let me start off by stating that I'm very new to credit repair and don't really understand the hows and whys involved. I don't want to make things any worse than they are, I'm really afraid of making a big mistake and appreciate any and all advice that can be given.

Most of the collection accounts on my report are medical collections, some of which have been posted by junk debt buyers. 5 of them are within SOL for collection or legal action. I've never received a single call or letter about any of these accounts and what I'm posting is all that I know about these accounts. Here are the details:

NCO FIN/55

Creditor Name: NCO FIN/55
Account No.:
Original Creditor: MED102 UNIV OF WASH MEDICAL CENTER
Responsibility: Individual
Condition: Derogatory
Original Balance: $75
Balance: $106
Date Opened: 06/20/2003
Date Reported: 02/05/2007
Remarks:
[TransUnion] Placed for collection

NCO FIN/55

Creditor Name: NCO FIN/55
Account No.:
Original Creditor: MED1UNIV OF WASH MEDICAL CENTER
Responsibility: Individual
Condition: Derogatory
Original Balance: $402
Balance: $560
Date Opened: 05/15/2003
Date Reported: 08/01/2006
Remarks:
[TransUnion] Placed for collection

NCO FIN/55

Creditor Name: NCO FIN/55
Account No.:
Original Creditor: MED102 UNIV OF WASH MEDICAL CENTER
Responsibility: Individual
Condition: Derogatory
Original Balance: $263
Balance: $384
Date Opened: 03/20/2003
Date Reported: 02/05/2007
Remarks:
[TransUnion] Placed for collection


After reviewing my records, I've realized that these accounts were previously on my CR's, but were apparently removed when I disputed them through the CRA's in August, 2006 (all of the other accounts that I'd questioned and remained on my account have been notated with "Account information disputed by consumer, meets FCRA requirements", like the accounts from M&M Credit,) and then reinserted sometime afterwards.

If I'm correct in my calculations, there's no possible way that these accounts could be mine, because the date that the 7 year reporting period is up tracks back to well before I ever moved to the state. Since it appears that these accounts have been removed and reinserted, should I do the pre-HIPAA still? Or should I dispute with the CRA's and subsequently send a DV to NCO? Or is there something else I should be doing? I'm sorry for all of the questions, but I know that NCO can be hard to deal with and I don't want to make any mistakes.

M & M CREDIT
Creditor Name: M & M CREDIT
Account No.:
Original Creditor: MED102 ST JOHN HEALTH SYSTEM
Responsibility: Individual
Condition: Derogatory
Original Balance: $212
Balance: $212
Date Opened: 12/30/2002
Date Reported: 10/04/2006
Remarks:
[TransUnion] Account information disputed by consumer, meets FCRA requirements

M & M CREDIT

Creditor Name: M & M CREDIT
Account No.:
Original Creditor: MED102 ST JOHN OAKLAND HOSPITAL IN
Responsibility: Individual
Condition: Derogatory
Original Balance: $840
Balance: $840
Date Opened: 11/22/2002
Date Reported: 02/01/2007
Remarks:
[TransUnion] Account information disputed by consumer, meets FCRA requirements

Again, I don't recognize the OC, but all of my personal records were destroyed and I guess there is a small chance that this is legitimate and I just don't remember it. My name isn't uncommon, so that could change things too. The CA seems legitimate and doesn't appear to be a JDB or anything like that (the VP of the company is sitting on Michigan's Collection Practices board, if that means anything.) I'm thinking I should use the pre-HIPAA letter here as well. Is that right? Or is there another/ better way to deal with this?

NORTHERN CB

Creditor Name: NORTHERN CB
Account No.:
Original Creditor: MED1 NORTHERN MICH EMERGENCY PHY
Responsibility: Individual
Condition: Derogatory
Original Balance: $253
Balance: $253
Date Opened: 10/25/2006
Date Reported: 12/11/2006
Remarks:
[TransUnion] Placed for collection

NORTHERN CB
Creditor Name: NORTHERN CB
Account No.:
Original Creditor: MED1 NORTHERN MICH EMERGENCY PHY
Responsibility: Individual
Condition: Derogatory
Original Balance: $259
Balance: $259
Date Opened: 10/25/2006
Date Reported: 12/11/2006
Remarks:
[TransUnion] Placed for collection

NORTHERN CB

Creditor Name: NORTHERN CB
Account No.:
Original Creditor: MED1 NORTHERN MICH EMERGENCY PHY
Responsibility: Individual
Condition: Derogatory
Original Balance: $253
Balance: $253
Date Opened: 10/25/2006
Date Reported: 12/11/2006
Remarks:
[TransUnion] Placed for collection

NORTHERN CB

Creditor Name: NORTHERN CB
Account No.:
Original Creditor: MED1 NORTHERN MICH EMERGENCY PHY
Responsibility: Individual
Condition: Derogatory
Original Balance: $368
Balance: $218
Date Opened: 08/25/2006
Date Reported: 01/10/2007
Remarks:
[TransUnion] Placed for collection

NORTHERN CB

Creditor Name: NORTHERN CB
Account No.:
Original Creditor: MED1 NORTHERN MICH EMERGENCY PHY
Responsibility: Individual
Condition: Paid
Original Balance: $253
Balance: $0
Date Opened: 11/02/2005
Date Reported: 01/10/2006
Remarks:
[TransUnion] Paid collection

These are legitimate collection accounts that I've been paying on since the accounts were opened with the OC and continued with the arrangements when they went to collection. I'd love to have these off of my report but, if I understand correctly, I can't ask for that under HIPAA until they're fully paid (one is paid, so I can hopefully get that one taken off.) Is that right? Or is there a way that I could compell the CA or the OC to remove these prior to that or at least note that they're being paid?

I appreciate any help and advice in regard to these issues.

Erin

Your post is a bit confusing. You said you are paying on these accounts, who are you paying?

The one that was paid, who did you pay the OC or the CA?

Have you done the basics of credit repair already? Opting out and deleting old addresses/personal information?