Full Version: NO CA INVOLVED
attempting to pay off med. collections but the letter prescribed by whychat is to be sent to CA's........calgon take me away!!!!!
QUOTE (KID CREOLE @ Jun 20 2009, 06:20 PM) 
attempting to pay off med. collections but the letter prescribed by whychat is to be sent to CA's........calgon take me away!!!!!
It is NOT permitted for a health care provider to directly report.
You are probably looking at the name of the hospital which DOES show on YOUR copy of the report, but NOT on anyone else's view.
In any case, you are putting the cart before the horse.
You need to opt out
http://whychat.5u.com/OPTOUTINST.HTML
Delete old addresses, if possible if you have moved since the date of service.
Send any CRA where this account is reporting the medical dispute letter.
http://whychat.5u.com/hipaadisp.html
You MUST do this first step even though you THINK you know who is reporting and THINK that the amount is accurate and THINK that you want to pay it to the hospital with the HIPAA letter.
http://whychat.5u.com/hipltr.html
What was your date of service??
Thanks Whychat. I opted out about a week after joining this site. Old addresses have been deleted.
I have drafts of dispute letters to CRAs (first step) ready to go but would like to have as many steps prepared as possible. This part of your letter is what is holding me up.
"Therefore I am requesting you promptly rescind all such account information furnished to (collection agency) This simple procedure to request the deletion of ALL reference to this account from the records of ( collection agency name) ."
Do I put the name that is given on my credit report in the "collection agency" name area?
Date of service was December 2006.
I have drafts of dispute letters to CRAs (first step) ready to go but would like to have as many steps prepared as possible. This part of your letter is what is holding me up.
"Therefore I am requesting you promptly rescind all such account information furnished to (collection agency) This simple procedure to request the deletion of ALL reference to this account from the records of ( collection agency name) ."
Do I put the name that is given on my credit report in the "collection agency" name area?
Date of service was December 2006.
QUOTE (KID CREOLE @ Jun 21 2009, 11:26 AM)
Thanks Whychat. I opted out about a week after joining this site. Old addresses have been deleted.
I have drafts of dispute letters to CRAs (first step)???? What are you talking about?? The FIRST STEP is this letter to the CRA's, no "drafts" required, follow ALL the directions.
http://whychat.5u.com/hipaadisp.html
ready to go but would like to have as many steps prepared as possible. This part of your letter is what is holding me up.
"Therefore I am requesting you promptly rescind all such account information furnished to (collection agency) This simple procedure to request the deletion of ALL reference to this account from the records of ( collection agency name) ."
Do I put the name that is given on my credit report in the "collection agency" name area?
Date of service was December 2006.
I have drafts of dispute letters to CRAs (first step)???? What are you talking about?? The FIRST STEP is this letter to the CRA's, no "drafts" required, follow ALL the directions.
http://whychat.5u.com/hipaadisp.html
ready to go but would like to have as many steps prepared as possible. This part of your letter is what is holding me up.
"Therefore I am requesting you promptly rescind all such account information furnished to (collection agency) This simple procedure to request the deletion of ALL reference to this account from the records of ( collection agency name) ."
Do I put the name that is given on my credit report in the "collection agency" name area?
Date of service was December 2006.
You are being premature in your "letter preparations".
It is EXTREMELY DOUBTFUL that the hospital has ANY relationship to the reporting CA, IF the accounts are verified by the CRA's and IF you get a communication from the reporting CA that provides you with account data, you can THEN pay the OC hospital with the HIPAA letter. If you do anything else, you will have accomplished NOTHING in getting this off your reports.
I am guessing the OP is looking at a third party credit site and not directly from a paper copy (or online) with each of the CRA's. When the third party sites populates the name of creditor into the appropriate field, it transfers the CA's name off the field and puts the hospital/provider name in instead.
OP, where are you getting the credit report from?
If it's not directly from each CRA and preferably off a hard/paper copy, you'll need to order the correct copies in which to work from.
Follow WhyChat's instructions with NO omissions and NO alterations.
OP, where are you getting the credit report from?
If it's not directly from each CRA and preferably off a hard/paper copy, you'll need to order the correct copies in which to work from.
Follow WhyChat's instructions with NO omissions and NO alterations.
QUOTE (Why Chat @ Jun 21 2009, 01:15 PM)
QUOTE (KID CREOLE @ Jun 21 2009, 11:26 AM)
Thanks Whychat. I opted out about a week after joining this site. Old addresses have been deleted.
I have drafts of dispute letters to CRAs (first step)???? What are you talking about?? The FIRST STEP is this letter to the CRA's, no "drafts" required, follow ALL the directions.
http://whychat.5u.com/hipaadisp.html
ready to go but would like to have as many steps prepared as possible. This part of your letter is what is holding me up.
"Therefore I am requesting you promptly rescind all such account information furnished to (collection agency) This simple procedure to request the deletion of ALL reference to this account from the records of ( collection agency name) ."
Do I put the name that is given on my credit report in the "collection agency" name area?
Date of service was December 2006.
I have drafts of dispute letters to CRAs (first step)???? What are you talking about?? The FIRST STEP is this letter to the CRA's, no "drafts" required, follow ALL the directions.
http://whychat.5u.com/hipaadisp.html
ready to go but would like to have as many steps prepared as possible. This part of your letter is what is holding me up.
"Therefore I am requesting you promptly rescind all such account information furnished to (collection agency) This simple procedure to request the deletion of ALL reference to this account from the records of ( collection agency name) ."
Do I put the name that is given on my credit report in the "collection agency" name area?
Date of service was December 2006.
You are being premature in your "letter preparations".
It is EXTREMELY DOUBTFUL that the hospital has ANY relationship to the reporting CA, IF the accounts are verified by the CRA's and IF you get a communication from the reporting CA that provides you with account data, you can THEN pay the OC hospital with the HIPAA letter. If you do anything else, you will have accomplished NOTHING in getting this off your reports.
no no no lol! I meant the pre hippa(to the cra's) letters are ready to be sent out (draft? my ignorance..) did not want to send them until I had the second letter ready..believe me I have been studying your formula to remove these TL's for years. if you put me in a torture room and quizzed me on this proccedure I would only lose one finger for the wrong response to "who do you put as collection agency"?....
the pre hippas are now printed out, italic /teal font a copy of DL and SS will accompany it. When I receive response will send out second letter, payment will be bank draft typed out by bank to health care provider. I am following your instructions to the letter.. I just suck really bad at communicating online I guess?
Thanks for all of your years of work for people like me to re-gain control over our credit!!!
QUOTE (Why Chat @ Jun 21 2009, 02:15 PM)
QUOTE (KID CREOLE @ Jun 21 2009, 11:26 AM)
Thanks Whychat. I opted out about a week after joining this site. Old addresses have been deleted.
I have drafts of dispute letters to CRAs (first step)???? What are you talking about?? The FIRST STEP is this letter to the CRA's, no "drafts" required, follow ALL the directions.
http://whychat.5u.com/hipaadisp.html
ready to go but would like to have as many steps prepared as possible. This part of your letter is what is holding me up.
"Therefore I am requesting you promptly rescind all such account information furnished to (collection agency) This simple procedure to request the deletion of ALL reference to this account from the records of ( collection agency name) ."
Do I put the name that is given on my credit report in the "collection agency" name area?
Date of service was December 2006.
I have drafts of dispute letters to CRAs (first step)???? What are you talking about?? The FIRST STEP is this letter to the CRA's, no "drafts" required, follow ALL the directions.
http://whychat.5u.com/hipaadisp.html
ready to go but would like to have as many steps prepared as possible. This part of your letter is what is holding me up.
"Therefore I am requesting you promptly rescind all such account information furnished to (collection agency) This simple procedure to request the deletion of ALL reference to this account from the records of ( collection agency name) ."
Do I put the name that is given on my credit report in the "collection agency" name area?
Date of service was December 2006.
You are being premature in your "letter preparations".
sorry had wife create account to ask own questions and was still logged in as mollie09 when replied..
no no no lol! I meant the pre hippa(to the cra's) letters are ready to be sent out (draft? my ignorance..) did not want to send them until I had the second letter ready..believe me I have been studying your formula to remove these TL's for years. if you put me in a torture room and quizzed me on this proccedure I would only lose one finger for the wrong response to "who do you put as collection agency"?....
the pre hippas are now printed out, italic /teal font a copy of DL and SS will accompany it. When I receive response will send out second letter, payment will be bank draft typed out by bank to health care provider. I am following your instructions to the letter.. I just suck really bad at communicating online I guess?
Thanks for all of your years of work for people like me to re-gain control over our credit!!!
It is EXTREMELY DOUBTFUL that the hospital has ANY relationship to the reporting CA, IF the accounts are verified by the CRA's and IF you get a communication from the reporting CA that provides you with account data, you can THEN pay the OC hospital with the HIPAA letter. If you do anything else, you will have accomplished NOTHING in getting this off your reports.
QUOTE (DragonFlyer @ Jun 21 2009, 02:41 PM)
I am guessing the OP is looking at a third party credit site and not directly from a paper copy (or online) with each of the CRA's. When the third party sites populates the name of creditor into the appropriate field, it transfers the CA's name off the field and puts the hospital/provider name in instead.
OP, where are you getting the credit report from?
If it's not directly from each CRA and preferably off a hard/paper copy, you'll need to order the correct copies in which to work from.
Follow WhyChat's instructions with NO omissions and NO alterations.
OP, where are you getting the credit report from?
If it's not directly from each CRA and preferably off a hard/paper copy, you'll need to order the correct copies in which to work from.
Follow WhyChat's instructions with NO omissions and NO alterations.
Thanks Dragonflyer
you are exactly right found the CA's name and can proceed! will let you all know the outcome hope this thread helps others that are confused.
I was all confused when Mollie answered for Kid Creole. LOL
Glad I was able to help identify the problem you were having. I figured that was the case.
Glad I was able to help identify the problem you were having. I figured that was the case.
well good news just got a letter from transunion saying they have deleted the 2 TL's!!!! not my intentions but i will take it 
. should the other CRA'S do the same?
. should the other CRA'S do the same?
No telling, but it's a good sign.
QUOTE (DragonFlyer @ Jul 6 2009, 04:51 PM)
No telling, but it's a good sign.
Thanks for all your help Dragonflyer! A good sign is all i need.
QUOTE (KID CREOLE @ Jul 6 2009, 05:57 PM)
QUOTE (DragonFlyer @ Jul 6 2009, 04:51 PM)
No telling, but it's a good sign.
Thanks for all your help Dragonflyer! A good sign is all i need.
There is no rhyme or reason with CRA's. It could be verified by the other two, so don't get your hopes up too high. Just take the successes as you go and keep on keepin' on!
Thanks Dragon Flyer!
Well got back EXP. results today......"remains" is this the same as veified and should I be receiving letter from CA?
Well got back EXP. results today......"remains" is this the same as veified and should I be receiving letter from CA?
QUOTE (Why Chat @ Jun 21 2009, 02:15 PM)
QUOTE (KID CREOLE @ Jun 21 2009, 11:26 AM)
.
You are being premature in your "letter preparations".
It is EXTREMELY DOUBTFUL that the hospital has ANY relationship to the reporting CA, IF the accounts are verified by the CRA's and IF you get a communication from the reporting CA that provides you with account data, you can THEN pay the OC hospital with the HIPAA letter. If you do anything else, you will have accomplished NOTHING in getting this off your reports.
What if I dont get communication from reporting CA?
QUOTE (KID CREOLE @ Jul 13 2009, 05:43 PM)
QUOTE (Why Chat @ Jun 21 2009, 02:15 PM)
QUOTE (KID CREOLE @ Jun 21 2009, 11:26 AM)
.
You are being premature in your "letter preparations".
It is EXTREMELY DOUBTFUL that the hospital has ANY relationship to the reporting CA, IF the accounts are verified by the CRA's and IF you get a communication from the reporting CA that provides you with account data, you can THEN pay the OC hospital with the HIPAA letter. If you do anything else, you will have accomplished NOTHING in getting this off your reports.
What if I dont get communication from reporting CA?
The next step is to send the medical DV to the reporting CA, wait until you have heard from Eq. as you will be sending one medical DV for EACH CRA to the CA in the same envelope CMRR;
http://whychat.5u.com/ltrcavalhipaa.html
and then as soon as you have the green card back, send this to each CRA ( this is the reason for the separate letters)
http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE
Thanks!I'm on it, wish there was somethng I could do for ya'll? if you like cajun food let me know i can walk you through anything .....
[/quote]
The next step is to send the medical DV to the reporting CA, wait until you have heard from Eq. as you will be sending one medical DV for EACH CRA to the CA in the same envelope CMRR;
http://whychat.5u.com/ltrcavalhipaa.html
and then as soon as you have the green card back, send this to each CRA ( this is the reason for the separate letters)
http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE
[/quote]
OK Finally received verification from CRAs now i DV the ca. it looks like I am to send a copy of the CRAs verification along with the DV?
"wait until you have heard from Eq. as you will be sending one medical DV for EACH CRA to the CA in the same envelope CMRR"????
another question about the DV letter >>>>>"Use this letter to notify the agency that the debt is beyond SOL, or is invalid for other reasons, and subject to the HIPAA privacy laws."
it's not invalid or out of SOL i just did not know they charged me?
when do I send the letter to the OC with the check?
Thanks
The next step is to send the medical DV to the reporting CA, wait until you have heard from Eq. as you will be sending one medical DV for EACH CRA to the CA in the same envelope CMRR;
http://whychat.5u.com/ltrcavalhipaa.html
and then as soon as you have the green card back, send this to each CRA ( this is the reason for the separate letters)
http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE
[/quote]
OK Finally received verification from CRAs now i DV the ca. it looks like I am to send a copy of the CRAs verification along with the DV?
"wait until you have heard from Eq. as you will be sending one medical DV for EACH CRA to the CA in the same envelope CMRR"????
another question about the DV letter >>>>>"Use this letter to notify the agency that the debt is beyond SOL, or is invalid for other reasons, and subject to the HIPAA privacy laws."
it's not invalid or out of SOL i just did not know they charged me?
when do I send the letter to the OC with the check?
Thanks
QUOTE (KID CREOLE @ Aug 3 2009, 11:21 PM)
QUOTE
The next step is to send the medical DV to the reporting CA, wait until you have heard from Eq. as you will be sending one medical DV for EACH CRA to the CA in the same envelope CMRR;
http://whychat.5u.com/ltrcavalhipaa.html
and then as soon as you have the green card back, send this to each CRA ( this is the reason for the separate letters)
http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE
OK Finally received verification from CRAs now i DV the ca. it looks like I am to send a copy of the CRAs verification along with the DV?
"wait until you have heard from Eq. as you will be sending one medical DV for EACH CRA to the CA in the same envelope CMRR"????
another question about the DV letter >>>>>"Use this letter to notify the agency that the debt is beyond SOL, or is invalid for other reasons, and subject to the HIPAA privacy laws."
it's not invalid or out of SOL i just did not know they charged me?Probably didn't
when do I send the letter to the OC with the check? Probably never
Thanks
No you do NOT send a "a copy of the CRAs verification along with the DV?".
You send JUST the medical DV, it is the REPORTING that is possibly/probably invalid, at this point your really have NO confirmation of any actual bill or charge from the OC.
http://whychat.5u.com/ltrcavalhipaa.html
As soon as you have the green card back from the medical DV you send each CRA that has verified, a copy of THEIR medical DV letter, copy of the green card ( one green card for BOTH letters mailed in the SAME envelope to the CA) and the cover letter/re-dispute.
http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE
ok im on it.
Thanks
Thanks
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