First, I'm a newbie and would just like to thank all the regular posters and mods for a great forum and all the great info available here. I've lurked for more than a month and have implemented the advice given here.

Now for my question and some background. I have sent the HIPAA letter per Whychat's advice to OC. I used insert (a), paid in full. Green card received, payment has been deposited. A month has passed. CA is still reporting on all 3 CR's.

I guess the next move is to send the Dispute letter to the CRA's along with the copys and cover letter to OC.
Does this look correct so far? Am I rushing things to much? One problem i'm having is obtaining a mailing address for exp. Is there a link that gives addresses for disputes to cra's? I have addy's for the other 2, but exp seems to be the oddball.

I would appreciate any input and advice. Again, thanks for a great collection of info.
I'll go back to lurking and learning now.

You forgot the FIRST STEP which is the "pre" dispute letter to the CRA, you may have wasted your $$.

DISPUTE ANY CA ACCOUNT FIRST WITH THE SPECIAL "MEDICAL"

DISPUTE LETTER

AS THERE MAY BE NO VALID BALANCE DUE
http://whychat.5u.com/hipaadisp.html

test

Sorry for slow response. I switched to Iexplorer and can now reply.

I agree I made a mistake not sending the pre-hipaa dispute letter. Lesson learned.

The green card and deposit have been received and made by OC.

The second letter and cover have been sent to OC.
Since I have available at this time only one recent report with file # from TU, I sent the letter to them.

In the meantime, the CA has now reported to TU as a paid collection.

Do I now wait and see if it is deleted in the next 30 days or is there something else to try?

I haven't received any correspondence from OC. The cover letter and copies were delivered 7/14.


Would sending a pre-hipaa to EX and EQ now do any good now? or should I send them the second hipaa letter as soon as I pull fresh reports from them?

I pulled all 3 thru FICO but could only find a report number on the TU report. I guess I'll have to pull thru the EX and EQ sites to get them.

Thanks for you help and advice. Very much appreciated.