Hey all, new to this forum.
As the title suggests, I had a medical collection for $119 as I recall. I did some research and believe I found WhyChat's site before hand. I remember reading and even typing up a letter, but am 99.9% I never sent anything out. Instead I was getting hounded by the CA and got sick of it and paid the darn bill. At the time I didn't realize, it would stay on my report.
So I guess my question is.....what can I do? Can I still use HIPPA to get this removed? I would pay it again to the OC just to have it gone if that was possible. I just don't know enough to know which direction to go. Please help!!!
PS....prior to paying the CA, I did contact (phone) the OC and tried to get them to take my payments, but they wouldn't.
Full Version: Paid the CA....any hope for HIPPA?
QUOTE (pokershark @ Jul 28 2009, 04:47 PM) 
Hey all, new to this forum.
As the title suggests, I had a medical collection for $119 as I recall. I did some research and believe I found WhyChat's site before hand. I remember reading and even typing up a letter, but am 99.9% I never sent anything out. Instead I was getting hounded by the CA and got sick of it and paid the darn bill. At the time I didn't realize, it would stay on my report.
So I guess my question is.....what can I do? Can I still use HIPPA to get this removed? I would pay it again to the OC just to have it gone if that was possible. I just don't know enough to know which direction to go. Please help!!!
PS....prior to paying the CA, I did contact (phone) the OC and tried to get them to take my payments, but they wouldn't.
As the title suggests, I had a medical collection for $119 as I recall. I did some research and believe I found WhyChat's site before hand. I remember reading and even typing up a letter, but am 99.9% I never sent anything out. Instead I was getting hounded by the CA and got sick of it and paid the darn bill. At the time I didn't realize, it would stay on my report.
So I guess my question is.....what can I do? Can I still use HIPPA to get this removed? I would pay it again to the OC just to have it gone if that was possible. I just don't know enough to know which direction to go. Please help!!!
PS....prior to paying the CA, I did contact (phone) the OC and tried to get them to take my payments, but they wouldn't.
Sorry you paid good $$ down a CA rathole .
I generally try not to lose my patience with folks like you but it is good that you posted so others can see what happens when you do not do things the right way.
How is it reporting?? as a collection or a paid collection??
I don't know what you were "typing" but in all likelihood a simple dispute letter to the CRA's would have gotten it off your reports.
Opt out
http://whychat.5u.com/OPTOUTINST.HTML
Send this to any CRA where it is reporting.
http://whychat.5u.com/hipaadisp.html
It is currently reporting as a paid collection.
Oh, to add a little more complexity/frustration to the matter....in DW's efforts to help, she sent a goodwill email to the CA on my behalf. I know why, as we had talked about how GW might help with another non-medical issue we had.
Will this void the steps we are about to take?
Also, I don't mind sending the letter you linked, but with me knowing who the OC and CA is....am I doing something wrong here? I am guessing it needs done to establish a firm written link of relationship. I just want to make sure I won't get in trouble is all.
Here is the email...
Oh, to add a little more complexity/frustration to the matter....in DW's efforts to help, she sent a goodwill email to the CA on my behalf. I know why, as we had talked about how GW might help with another non-medical issue we had.
Will this void the steps we are about to take?
Also, I don't mind sending the letter you linked, but with me knowing who the OC and CA is....am I doing something wrong here? I am guessing it needs done to establish a firm written link of relationship. I just want to make sure I won't get in trouble is all.
Here is the email...
QUOTE
I will try to be as concise as possible in my email request to you. The reason for my writing is to ask for a gesture of goodwill on behalf of your firm.
A few years ago I apparently had a medical debt with St. Francis hospital. I was unaware of the debt, and requested validation because I was under the assumption my insurance had paid. Long story short, I was responsible. After realizing this was my debt and I was indeed responsible, I made payment in full to your firm to settle up the monies owed.
Fast forward to today, and I am in the process of trying to secure a home for my family; however, I am having difficulty because this collection shows on my credit report and is still having a negative effect on my credit score. It does show as paid, but I have been advised complete removal would help enable me to get approved for a mortgage.
The above in mind, I am respectfully asking you show an act of goodwill towards me and my family and delete this collection account from my credit report. I do realize you have no legal obligation to do so, I am just asking for some help. The lesson has been hard learned and I would like to clean this up and move on with my life.
Your help & generosity in the matter would be most appreciated. I do look forward to hearing from you soon regarding the matter. Thank you.
A few years ago I apparently had a medical debt with St. Francis hospital. I was unaware of the debt, and requested validation because I was under the assumption my insurance had paid. Long story short, I was responsible. After realizing this was my debt and I was indeed responsible, I made payment in full to your firm to settle up the monies owed.
Fast forward to today, and I am in the process of trying to secure a home for my family; however, I am having difficulty because this collection shows on my credit report and is still having a negative effect on my credit score. It does show as paid, but I have been advised complete removal would help enable me to get approved for a mortgage.
The above in mind, I am respectfully asking you show an act of goodwill towards me and my family and delete this collection account from my credit report. I do realize you have no legal obligation to do so, I am just asking for some help. The lesson has been hard learned and I would like to clean this up and move on with my life.
Your help & generosity in the matter would be most appreciated. I do look forward to hearing from you soon regarding the matter. Thank you.
QUOTE (pokershark @ Jul 29 2009, 09:30 AM)
It is currently reporting as a paid collection.
Oh, to add a little more complexity/frustration to the matter....in DW's efforts to help, she sent a goodwill email to the CA on my behalf. I know why, as we had talked about how GW might help with another non-medical issue we had.
Will this void the steps we are about to take?
Also, I don't mind sending the letter you linked, but with me knowing who the OC and CA is....am I doing something wrong here? I am guessing it needs done to establish a firm written link of relationship. I just want to make sure I won't get in trouble is all.
Here is the email...
Oh, to add a little more complexity/frustration to the matter....in DW's efforts to help, she sent a goodwill email to the CA on my behalf. I know why, as we had talked about how GW might help with another non-medical issue we had.
Will this void the steps we are about to take?
Also, I don't mind sending the letter you linked, but with me knowing who the OC and CA is....am I doing something wrong here? I am guessing it needs done to establish a firm written link of relationship. I just want to make sure I won't get in trouble is all.
Here is the email...
QUOTE
I will try to be as concise as possible in my email request to you. The reason for my writing is to ask for a gesture of goodwill on behalf of your firm.
A few years ago I apparently had a medical debt with St. Francis hospital. I was unaware of the debt, and requested validation because I was under the assumption my insurance had paid. Long story short, I was responsible. After realizing this was my debt and I was indeed responsible, I made payment in full to your firm to settle up the monies owed.
Fast forward to today, and I am in the process of trying to secure a home for my family; however, I am having difficulty because this collection shows on my credit report and is still having a negative effect on my credit score. It does show as paid, but I have been advised complete removal would help enable me to get approved for a mortgage.
The above in mind, I am respectfully asking you show an act of goodwill towards me and my family and delete this collection account from my credit report. I do realize you have no legal obligation to do so, I am just asking for some help. The lesson has been hard learned and I would like to clean this up and move on with my life.
Your help & generosity in the matter would be most appreciated. I do look forward to hearing from you soon regarding the matter. Thank you.
A few years ago I apparently had a medical debt with St. Francis hospital. I was unaware of the debt, and requested validation because I was under the assumption my insurance had paid. Long story short, I was responsible. After realizing this was my debt and I was indeed responsible, I made payment in full to your firm to settle up the monies owed.
Fast forward to today, and I am in the process of trying to secure a home for my family; however, I am having difficulty because this collection shows on my credit report and is still having a negative effect on my credit score. It does show as paid, but I have been advised complete removal would help enable me to get approved for a mortgage.
The above in mind, I am respectfully asking you show an act of goodwill towards me and my family and delete this collection account from my credit report. I do realize you have no legal obligation to do so, I am just asking for some help. The lesson has been hard learned and I would like to clean this up and move on with my life.
Your help & generosity in the matter would be most appreciated. I do look forward to hearing from you soon regarding the matter. Thank you.
There is NO SUCH THING as "good will" from a CA. All the letter did was likely INCREASE the chances of the account staying on your reports , ESPECIALLY if it was SIGNED by the PATIENT, plus your names will be added to the data miners "sucker list".
It is more than probable that the reporting CA had NO authority to collect or report on the account.
Yes you KNOW who the OC was on your original bill, but do you KNOW, through DOCUMENTATION that the reporting CA has that data??
The issue is not and never is the legitimacy of any original bill, it is the legitimacy of the reporting CA that the HIPAA program calls into question.
Follow the instructions.
Opt out
http://whychat.5u.com/OPTOUTINST.HTML
Send this to any CRA where it is reporting.
http://whychat.5u.com/hipaadisp.html
Post back on this thread with the results.
Thank you for your help.
Nothing was signed, but rather sent through email.
I have already did the easy opt out on the CRA's with the link provided. I am working on the other 1/2 with creditors. Pretty much I am just looking at my credit report and making a list. Am I correct to assume that old & closed out accounts do not need the opt out form sent to them?
Nothing was signed, but rather sent through email.
I have already did the easy opt out on the CRA's with the link provided. I am working on the other 1/2 with creditors. Pretty much I am just looking at my credit report and making a list. Am I correct to assume that old & closed out accounts do not need the opt out form sent to them?
QUOTE (pokershark @ Jul 29 2009, 11:23 AM)
Thank you for your help.
Nothing was signed, but rather sent through email.
I have already did the easy opt out on the CRA's with the link provided. I am working on the other 1/2 with creditors. Pretty much I am just looking at my credit report and making a list. Am I correct to assume that old & closed out accounts do not need the opt out form sent to them?
Nothing was signed, but rather sent through email.
I have already did the easy opt out on the CRA's with the link provided. I am working on the other 1/2 with creditors. Pretty much I am just looking at my credit report and making a list. Am I correct to assume that old & closed out accounts do not need the opt out form sent to them?
??? You do not need to do the FULL opt out from all your accounts unless you are having a lot of credit problems or are a victim of ID theft/fraud. Just the CRA opt out is enough in most cases,
What you SHOULD do with old closed GOOD accounts is to notify them of your current address BEFORE getting old addresses deleted, otherwise you might lose that tradeline.
Just wanted to reply back and give everyone an update....looks like the wife's GW email worked!!! I subscribe to Credit Check Total and pulled my reports before sitting down to hand write those letters and it was GONE!!!!
It was only reporting on Experian, but the FAKO scores CCT gives you showed a 19pt increase in score. I am cleaning up a few other items so I will wait until those are done to pull actual FICO's again.
Anyhow, thanks for bearing with me. I will continue to lurk on the boards and get more educated. Thank you!
It was only reporting on Experian, but the FAKO scores CCT gives you showed a 19pt increase in score. I am cleaning up a few other items so I will wait until those are done to pull actual FICO's again.
Anyhow, thanks for bearing with me. I will continue to lurk on the boards and get more educated. Thank you!
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