Long time lurker and feel that I am ready to tackle my reports. I found this site through a friend of mine and I have spent many hours late at night drinking coffee and trying to dessimate the wealth of knowledge that it contains. I have read Phsycdocs courses several times and made notes. I have printed FCRA and FDCA and have poured through it many times trying to understand the depth of them as well. I have spent time on WhyChats site and tried to understand the HIPPA process and I hope that I am now ready.
First off, I have five medical collections dating back five years to the longest and a little over two years for the most recent. Two happened because of lack of insurance at the time and the other three were just me dropping the ball after insurance had paid on one and denied the other two. The other baddies are four old collection accounts dating from about the same time period, all credit cards that I basically used to enhance my lifestyle, a hard lesson to learn, but one learned nonetheless.
If I understand and have comprehended correctly on the medical collections I first need to get hard copies of all my reports, which I have done and paid for verses the free route. I bought a 3 ring binder and made a spot for each bad account. I have opted out online and have deleted some of my old addresses off equifax and transunion, but having a difficult time with experian. I have not moved around much over the last ten years, so not sure any of the previous addresses would match these collections anyway.
For the medical I should send a dispute, hand written on some floral paper in light blue or teal ink to each of the CRAs per whychat's site and wait for the green card to come back. File that away in its place in the binder and wait to see if they are answered by the CRA or deleted. If they come back as verified I need to go to step two and send the DV for each CRA listing the collection to the listing CA all in the same envelope and once I get the green card back, wait five days and then send a second dispute to each CRA with a copy of the DV attached. If properly validated, on which I am still fuzzy, I should pay the OC using HIPPA insert A. If not properly validated, well that part I am not sure on either. And really have not figured out the five day wait, but I am still making notes LOL.
After I have addressed and hopefully gotten medical collections off, then I can proceed to the other collections and if I understand correctly I dispute first, hope for deletion, and then if they verify i do the one/two punch with DV and then five days later the second dispute. The process seems simular to the medical, but I think I understand the differences at this point. I think beyond that is where it gets fuzzy to me. I have read about the pros and cons of the Estoppel letter, read about the "Jack Attack" and have recently been pouring through the 623 letter approach. I truly do not know which one is the best route at this time, but I am sure by then I will learn.
I welcome any suggestions and help, or corrections to my thought process, as this has been and still is a learning curve for me. I have a few postitive accounts now and I want to move toward keeping it that way in the future.
Full Version: Wanting to repair credit
QUOTE (Stephen78 @ Apr 9 2009, 06:26 PM) 
For the medical I should send a dispute, hand written on some floral paper in light blue or teal ink to each of the CRAs per whychat's site and wait for the green card to come back.****
You don't send this first one (http://whychat.5u.com/hipaadisp.html) CMRRR - just CM - the reason is you want it to get to a person and know that it got there - hence the ink & CM - but not into the litigation file)**
File that away in its place in the binder and wait to see if they are answered by the CRA or deleted. If they come back as verified I need to go to step two and send the **DV for each CRA listing the collection to the listing CA all in the same envelope and once I get the green card back, wait five days and then send a second dispute to each CRA with a copy of the DV attached. If properly validated, on which I am still fuzzy, I should pay the OC using HIPPA insert A. If not properly validated, well that part I am not sure on either. And really have not figured out the five day wait, but I am still making notes LOL.
**I think you're kind of conflating two processes here. What I'd do, after waiting to see if they're validated or deleted, is move on to the Hipaa letter, insert A - to the OC, if you can pay.
After I have addressed and hopefully gotten medical collections off, then I can proceed to the other collections and if I understand correctly I dispute first, hope for deletion, and then if they verify i do the one/two punch with DV and then five days later the second dispute. The process seems simular to the medical, but I think I understand the differences at this point. I think beyond that is where it gets fuzzy to me. I have read about the pros and cons of the Estoppel letter, read about the "Jack Attack" and have recently been pouring through the 623 letter approach. I truly do not know which one is the best route at this time, but I am sure by then I will learn.
I welcome any suggestions and help, or corrections to my thought process, as this has been and still is a learning curve for me. I have a few postitive accounts now and I want to move toward keeping it that way in the future.
You don't send this first one (http://whychat.5u.com/hipaadisp.html) CMRRR - just CM - the reason is you want it to get to a person and know that it got there - hence the ink & CM - but not into the litigation file)**
File that away in its place in the binder and wait to see if they are answered by the CRA or deleted. If they come back as verified I need to go to step two and send the **DV for each CRA listing the collection to the listing CA all in the same envelope and once I get the green card back, wait five days and then send a second dispute to each CRA with a copy of the DV attached. If properly validated, on which I am still fuzzy, I should pay the OC using HIPPA insert A. If not properly validated, well that part I am not sure on either. And really have not figured out the five day wait, but I am still making notes LOL.
**I think you're kind of conflating two processes here. What I'd do, after waiting to see if they're validated or deleted, is move on to the Hipaa letter, insert A - to the OC, if you can pay.
After I have addressed and hopefully gotten medical collections off, then I can proceed to the other collections and if I understand correctly I dispute first, hope for deletion, and then if they verify i do the one/two punch with DV and then five days later the second dispute. The process seems simular to the medical, but I think I understand the differences at this point. I think beyond that is where it gets fuzzy to me. I have read about the pros and cons of the Estoppel letter, read about the "Jack Attack" and have recently been pouring through the 623 letter approach. I truly do not know which one is the best route at this time, but I am sure by then I will learn.
I welcome any suggestions and help, or corrections to my thought process, as this has been and still is a learning curve for me. I have a few postitive accounts now and I want to move toward keeping it that way in the future.
It's a tough row to hoe, as the saying goes. Good luck!
Just updating my situation and making sure that I am correct in my next steps. Today is 35 days since the CM disputes were received by TU, EX and EQ. EQ did denote that all were in dispute for a period of time as I check a daily pull site regularly. TU and EX never denoted the collections as disputed. I received the form computer generated letter from EQ on all five disputes, but from TU only on two disputes. I never received anything from EX on any of them. I have received a conclusion letter from EQ that states the collections were verified and belonged to me, but no other information. I have not received anything else from TU and nothing what so ever from EX. I have also not received anything from any of the collection agencies.
I believe my next step is to send the WhyChat medical DV typed to all of the collection agencies denoting the CM number of the dispute sent to each CRA on the first dispute. I would type this and include a copy of the disputes sent to the CRAs. Once I receive notification that the letters were signed for, I then send the second dispute per WhyChats site to each CRA and also include a copy of the original dispute. Does this second dispute need to be hand written or typed since it is going to their legal area ?
I do not want to get to far ahead of myself at this point, but I believe I understand that I will then wait an additional 30 days to see if it is either removed or I receive proper validation from each CA that includes and itemized copy of the medical bill and proof of purchase or attainment where they legally purchased the debt, or a copy of their contract with the OC that legally allows them to collect the debt. If that is provided, I send the HIPPA letter A to the OC. I will not delve into what happens beyond that yet as to not confuse myself.
I am in hopes that I have understood this correctly and would appreciate all comments as to such. Thanks in Advance for all help
I believe my next step is to send the WhyChat medical DV typed to all of the collection agencies denoting the CM number of the dispute sent to each CRA on the first dispute. I would type this and include a copy of the disputes sent to the CRAs. Once I receive notification that the letters were signed for, I then send the second dispute per WhyChats site to each CRA and also include a copy of the original dispute. Does this second dispute need to be hand written or typed since it is going to their legal area ?
I do not want to get to far ahead of myself at this point, but I believe I understand that I will then wait an additional 30 days to see if it is either removed or I receive proper validation from each CA that includes and itemized copy of the medical bill and proof of purchase or attainment where they legally purchased the debt, or a copy of their contract with the OC that legally allows them to collect the debt. If that is provided, I send the HIPPA letter A to the OC. I will not delve into what happens beyond that yet as to not confuse myself.
I am in hopes that I have understood this correctly and would appreciate all comments as to such. Thanks in Advance for all help
OK, let's back up & make sure we're on the same page.
You paid for paper copies of your reports which were received in the mail.
You used the Pre-hipaa letter, sent on your very manly stationary, to each CRA, via CMRR.
Your dispute pre-hippa letters were received 35 days ago? The timeline is a little funky here, since I jumped in to help on the 9th, so I think we need to back up and figure out what extra steps you may've added, and exactly what got sent. Don't worry if you did anything "wrong" - it just seems like we might have some things to unravel.
You paid for paper copies of your reports which were received in the mail.
You used the Pre-hipaa letter, sent on your very manly stationary, to each CRA, via CMRR.
Your dispute pre-hippa letters were received 35 days ago? The timeline is a little funky here, since I jumped in to help on the 9th, so I think we need to back up and figure out what extra steps you may've added, and exactly what got sent. Don't worry if you did anything "wrong" - it just seems like we might have some things to unravel.
QUOTE (Stephen78 @ Apr 9 2009, 07:26 PM)
Long time lurker and feel that I am ready to tackle my reports. I found this site through a friend of mine and I have spent many hours late at night drinking coffee and trying to dessimate the wealth of knowledge that it contains. I have read Phsycdocs courses several times and made notes. I have printed FCRA and FDCA and have poured through it many times trying to understand the depth of them as well. I have spent time on WhyChats site and tried to understand the HIPPA process and I hope that I am now ready.
First off, I have five medical collections dating back five years to the longest and a little over two years for the most recent. Two happened because of lack of insurance at the time and the other three were just me dropping the ball after insurance had paid on one and denied the other two. The other baddies are four old collection accounts dating from about the same time period, all credit cards that I basically used to enhance my lifestyle, a hard lesson to learn, but one learned nonetheless.
If I understand and have comprehended correctly on the medical collections I first need to get hard copies of all my reports, which I have done and paid for verses the free route. I bought a 3 ring binder and made a spot for each bad account. I have opted out online and have deleted some of my old addresses off equifax and transunion, but having a difficult time with experian. I have not moved around much over the last ten years, so not sure any of the previous addresses would match these collections anyway.
For the medical I should send a dispute, hand written on some floral paper in light blue or teal ink to each of the CRAs per whychat's site and wait for the green card to come back. File that away in its place in the binder and wait to see if they are answered by the CRA or deleted. If they come back as verified I need to go to step two and send the DV for each CRA listing the collection to the listing CA all in the same envelope and once I get the green card back, wait five days and then send a second dispute to each CRA with a copy of the DV attached. If properly validated, on which I am still fuzzy, I should pay the OC using HIPPA insert A. If not properly validated, well that part I am not sure on either. And really have not figured out the five day wait, but I am still making notes LOL.
After I have addressed and hopefully gotten medical collections off, then I can proceed to the other collections and if I understand correctly I dispute first, hope for deletion, and then if they verify i do the one/two punch with DV and then five days later the second dispute. The process seems simular to the medical, but I think I understand the differences at this point. I think beyond that is where it gets fuzzy to me. I have read about the pros and cons of the Estoppel letter, read about the "Jack Attack" and have recently been pouring through the 623 letter approach. I truly do not know which one is the best route at this time, but I am sure by then I will learn.
I welcome any suggestions and help, or corrections to my thought process, as this has been and still is a learning curve for me. I have a few postitive accounts now and I want to move toward keeping it that way in the future.
First off, I have five medical collections dating back five years to the longest and a little over two years for the most recent. Two happened because of lack of insurance at the time and the other three were just me dropping the ball after insurance had paid on one and denied the other two. The other baddies are four old collection accounts dating from about the same time period, all credit cards that I basically used to enhance my lifestyle, a hard lesson to learn, but one learned nonetheless.
If I understand and have comprehended correctly on the medical collections I first need to get hard copies of all my reports, which I have done and paid for verses the free route. I bought a 3 ring binder and made a spot for each bad account. I have opted out online and have deleted some of my old addresses off equifax and transunion, but having a difficult time with experian. I have not moved around much over the last ten years, so not sure any of the previous addresses would match these collections anyway.
For the medical I should send a dispute, hand written on some floral paper in light blue or teal ink to each of the CRAs per whychat's site and wait for the green card to come back. File that away in its place in the binder and wait to see if they are answered by the CRA or deleted. If they come back as verified I need to go to step two and send the DV for each CRA listing the collection to the listing CA all in the same envelope and once I get the green card back, wait five days and then send a second dispute to each CRA with a copy of the DV attached. If properly validated, on which I am still fuzzy, I should pay the OC using HIPPA insert A. If not properly validated, well that part I am not sure on either. And really have not figured out the five day wait, but I am still making notes LOL.
After I have addressed and hopefully gotten medical collections off, then I can proceed to the other collections and if I understand correctly I dispute first, hope for deletion, and then if they verify i do the one/two punch with DV and then five days later the second dispute. The process seems simular to the medical, but I think I understand the differences at this point. I think beyond that is where it gets fuzzy to me. I have read about the pros and cons of the Estoppel letter, read about the "Jack Attack" and have recently been pouring through the 623 letter approach. I truly do not know which one is the best route at this time, but I am sure by then I will learn.
I welcome any suggestions and help, or corrections to my thought process, as this has been and still is a learning curve for me. I have a few postitive accounts now and I want to move toward keeping it that way in the future.
Your initial post is dated April 9th
When did you send the dispute letters to the CRA's??
Did you send them CMRR or just CM as instructed??
If CM did you print out the tracking information from on line??
If CMRR you may not get the "green card" back very quickly.
You post of 04/21 said,
QUOTE
Today is 35 days since the CM disputes were received by TU, EX and EQ.
If you mailed them immediately on April 9th then that would have been 15 days, not 35 days.
Please advise as to the CORRECT time-line.
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