Full Version: Sent DV letter with disputes currently pending with cra
I may have messed it all up. I did 2 blanket dispute with eq (none pending) and I did 2 blanket disputes with TU .. the last one currently pending. I sent a DV letter to all the CA on my report since middle of last week but I havent gotten green card yet. Maybe its in box today because I havent checked yet today. Once I get all the green cards, can I still send the follow up letter to CRA?
Are these medical accounts?
Did you mean to post it here or in the credit forum?
Did you mean to post it here or in the credit forum?
These are medical accounts thats in collections.
Can you post a summary of what you have done with the medical collection to date, please post links to letters you have sent.
The first dispute I sent was ..
Dear Sir or Madam:
I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.
Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. I am demanding debt validation from the collection agency certified mail return receipt.
Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence.
After I got the results from the CRAs I then disputed the medicals that they didnt delete jack attack method .. I messed it all up right? Of course I know how to do it now but am I out of step to much?
Now .. only with TU the jack attack method is pending. Already got results from eq and they deleted one more tradeline after that.
I sent WHY CHAT DV letter to all medical CA last week and waiting on the green card. So can I continue and send the follow up letter to the CRA after I get green cards? Thanks
Dear Sir or Madam:
I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.
Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. I am demanding debt validation from the collection agency certified mail return receipt.
Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence.
After I got the results from the CRAs I then disputed the medicals that they didnt delete jack attack method .. I messed it all up right? Of course I know how to do it now but am I out of step to much?
Now .. only with TU the jack attack method is pending. Already got results from eq and they deleted one more tradeline after that.
I sent WHY CHAT DV letter to all medical CA last week and waiting on the green card. So can I continue and send the follow up letter to the CRA after I get green cards? Thanks
QUOTE (time2fix @ Aug 25 2009, 12:58 PM) 
The first dispute I sent was ..
Dear Sir or Madam:
I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.
Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. I am demanding debt validation from the collection agency certified mail return receipt.
Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence.
After I got the results from the CRAs I then disputed the medicals that they didnt delete jack attack method .. I messed it all up right? Of course I know how to do it now but am I out of step to much? Yes, Why Chat's HIPAA Process has to be used in its entirety, or it looses its effectiveness, the Jack attack and Why Chat's HIPAA process are incompatiable.
Now .. only with TU the jack attack method is pending. Already got results from eq and they deleted one more tradeline after that. Again the Jack attack and Why Chat's HIPAA process are incompatiable, but you got lucky with EQ. If you have a pending dispute with TU, you just have to wait for that to complete, maybe you will get lucky again.
I sent WHY CHAT DV letter to all medical CA last week and waiting on the green card. So can I continue and send the follow up letter to the CRA after I get green cards? Thanks, No, if this account is not deleted with your current dispute with TU, then wait 60 days and start Why Chat's HIPAA process the right way:
http://whychat.5u.com/OPTOUTINST.HTML
Delete any old addresses if possible
http://whychat.5u.com/hipaadisp.html
Follow all the instructions, even if they seem a little odd-personalized stationary "Lilac or teal Fonts-
CM no RRR
Keep all you information in one thread. Don’t start and new thread/topic!
Dear Sir or Madam:
I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.
Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. I am demanding debt validation from the collection agency certified mail return receipt.
Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence.
After I got the results from the CRAs I then disputed the medicals that they didnt delete jack attack method .. I messed it all up right? Of course I know how to do it now but am I out of step to much? Yes, Why Chat's HIPAA Process has to be used in its entirety, or it looses its effectiveness, the Jack attack and Why Chat's HIPAA process are incompatiable.
Now .. only with TU the jack attack method is pending. Already got results from eq and they deleted one more tradeline after that. Again the Jack attack and Why Chat's HIPAA process are incompatiable, but you got lucky with EQ. If you have a pending dispute with TU, you just have to wait for that to complete, maybe you will get lucky again.
I sent WHY CHAT DV letter to all medical CA last week and waiting on the green card. So can I continue and send the follow up letter to the CRA after I get green cards? Thanks, No, if this account is not deleted with your current dispute with TU, then wait 60 days and start Why Chat's HIPAA process the right way:
http://whychat.5u.com/OPTOUTINST.HTML
Delete any old addresses if possible
http://whychat.5u.com/hipaadisp.html
Follow all the instructions, even if they seem a little odd-personalized stationary "Lilac or teal Fonts-
CM no RRR
Keep all you information in one thread. Don’t start and new thread/topic!
Well I understand the process now .. but its to late. Thats why I was just asking. So what should I do from this point on? Because I already sent $30 worth of CMRRR to CA. Was that just a waste of money? How long should I wait to start process again?
Can someone let me know if I should still send the follow up letter to the CRA? Trying to figure out what I should do after I get all the green cards. I know I am out of steps but is it worth it or not worth it to send the follow up letter CMRRR to the CRA? Thanks
QUOTE (time2fix @ Aug 25 2009, 07:48 PM)
Can someone let me know if I should still send the follow up letter to the CRA? Trying to figure out what I should do after I get all the green cards. I know I am out of steps but is it worth it or not worth it to send the follow up letter CMRRR to the CRA? Thanks
OK, you opted out and deleted old addresses if possible??
You sent some kind of dispute to the CRA's and the accounts were verified??
You sent to the CA's the medical DV from the HIPAA program??
Now you want to know if you can send the follow up dispute to the CRA's??
Yes, presuming this is an OLD bill that is not now valid, or was paid, and if it is actually a valid account and is from a hospital is for under $500.
QUOTE (Why Chat @ Aug 25 2009, 08:00 PM)
QUOTE (time2fix @ Aug 25 2009, 07:48 PM)
Can someone let me know if I should still send the follow up letter to the CRA? Trying to figure out what I should do after I get all the green cards. I know I am out of steps but is it worth it or not worth it to send the follow up letter CMRRR to the CRA? Thanks
OK, you opted out and deleted old addresses if possible??
You sent some kind of dispute to the CRA's and the accounts were verified??
You sent to the CA's the medical DV from the HIPAA program??
Now you want to know if you can send the follow up dispute to the CRA's??
Yes, presuming this is an OLD bill that is not now valid, or was paid, and if it is actually a valid account and is from a hospital is for under $500.
Ok thanks .. all fall under that except for 2. Two of them are not paid and is within SOL. SOL is the date from frist delinquency right? So I just leave those 2 out of the follow up letter that I send to CRA.
Those 2 that are unpaid within SOL total about $1100. The only way to get them off is to pay it? I will be waiting on that if thats the case. Thanks WHY CHAT
Well I attempted the last step of sending the follow up letters to the CRA. Eq and EX completed the dispute in about a day without removing any of the 5 medical accounts. NOW THAT I KNOW where I screwed up. Im gonna start the whole hippa process from the begining. Should I wait a couple of months?
Also just to clarify .. the hippa process does not work for medical collections that are within SOL and not paid (pretty sure that is true)?
And also it doesnt work for collections that are over $500 that are within SOL even if it was paid?? Not sure I understand where the $500 comes into play at.
Also just to clarify .. the hippa process does not work for medical collections that are within SOL and not paid (pretty sure that is true)?
And also it doesnt work for collections that are over $500 that are within SOL even if it was paid?? Not sure I understand where the $500 comes into play at.
QUOTE (time2fix @ Sep 28 2009, 05:59 PM)
Well I attempted the last step of sending the follow up letters to the CRA. Eq and EX completed the dispute in about a day without removing any of the 5 medical accounts. NOW THAT I KNOW where I screwed up. Im gonna start the whole hippa process from the begining. Should I wait a couple of months?
Also just to clarify .. the hippa process does not work for medical collections that are within SOL and not paid (pretty sure that is true)?
And also it doesnt work for collections that are over $500 that are within SOL even if it was paid?? Not sure I understand where the $500 comes into play at.
Also just to clarify .. the hippa process does not work for medical collections that are within SOL and not paid (pretty sure that is true)?
And also it doesnt work for collections that are over $500 that are within SOL even if it was paid?? Not sure I understand where the $500 comes into play at.
I do not believe that
QUOTE
" Eq and EX completed the dispute in about a day without removing any of the 5 medical accounts. "
How did you send the follow up dispute?? What date was the green card signed??I think you are confused and should list EXACTLY what you have done and HOW you have done it so that your question can be properly answered.
My 5th post expalined what all I did up unto this point. Sent CMRRR and they completed it in a 5 days. Was looking at wrong date. Maybe I just screwed up from the begining is why nothing deleted though. Im gonna start over though. Can you please answer my questions above though. I understand how the process works now just would like those questions answered. Thanks
QUOTE (time2fix @ Sep 29 2009, 12:06 AM)
My 5th post expalined what all I did up unto this point. Sent CMRRR and they completed it in a 5 days. Was looking at wrong date. Maybe I just screwed up from the begining is why nothing deleted though. Im gonna start over though. Can you please answer my questions above though. I understand how the process works now just would like those questions answered. Thanks
I read ALL your posts and still don't know EXACTLY how you sent the follow up disputes, ( after sending the medical DV's) to the CRA's.
Did you send them CMRR??
Did you get the green cards back??
You are saying that they responded " within 5 days" what KIND of response?? By mail, by looking up the account on line??
The fact that the unpaid accounts are "within SOL" is not the issue, the issue is that apparently at NO TIME in your dispute process, ( including the "Jack Attack") did you receive a direct communication from the reporting CA that indicated that they had ANY legal right to collect or report on any of these accounts.
I believe that you think that just because a CA is reporting a balance due on one or more of your reports that it is GOSPEL!! It is NOT.
The HIPAA program is designed to delete spurious accounts from your reports and PAY legitimate verified ones directly to the OC health care provider
Thanks for the help. I already understood that the CA prolly doesnt have a right to collect on the account. I sent the CAs the hippa letter CMRR and after I got all the green cards I immediatley sent the CRA a copy of the green card with the follow up dispute letter. Not suppose to wait until I get a response from the CA to send the follow up CRA letter right? Only waiting on the green card is what I thought.
Im going to start this all over again anyways. Also, am I suppose to send a copy of the letter that I sent to the CA (to the CRA that they are reporting to) with the follow up letter? Thanks again
Just to let you know .. the CRA responded by mail but I double checked online to see the "date completed". Sorry, I dont have their response handy at the moment.
Im going to start this all over again anyways. Also, am I suppose to send a copy of the letter that I sent to the CA (to the CRA that they are reporting to) with the follow up letter? Thanks again
Just to let you know .. the CRA responded by mail but I double checked online to see the "date completed". Sorry, I dont have their response handy at the moment.
QUOTE (time2fix @ Sep 29 2009, 10:58 PM)
Thanks for the help. I already understood that the CA prolly doesnt have a right to collect on the account. I sent the CAs the hippa letter CMRR and after I got all the green cards I immediatley sent the CRA a copy of the green card with the follow up dispute letter. Not suppose to wait until I get a response from the CA to send the follow up CRA letter right? Only waiting on the green card is what I thought.
Im going to start this all over again anyways. Also, am I suppose to send a copy of the letter that I sent to the CA (to the CRA that they are reporting to) with the follow up letter? Thanks again
Just to let you know .. the CRA responded by mail but I double checked online to see the "date completed". Sorry, I dont have their response handy at the moment.
Im going to start this all over again anyways. Also, am I suppose to send a copy of the letter that I sent to the CA (to the CRA that they are reporting to) with the follow up letter? Thanks again
Just to let you know .. the CRA responded by mail but I double checked online to see the "date completed". Sorry, I dont have their response handy at the moment.
I am writing this in the morning so that I can try to make better sense of your posts.
QUOTE
I sent the CAs the hippa letter CMRR WHICH LETTER??
http://whychat.5u.com/ltrcavalhipaa.html
That one??
and after I got all the green cards I immediatley sent the CRA a copy of the green card with the follow up dispute letter. Not suppose to wait until I get a response from the CA to send the follow up CRA letter right? Only waiting on the green card is what I thought.
The instructions CLEARLY state that you should include a copy of the medical dv sent to the CA in the follow up dispute;
http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE
I have disputed this unknown medical account with the reporting Collection Agent,( copy enclosed with proof of their receipt),as per your instructions in your response of xx/xx/xxxx to my dispute of xx/xx/xxxx and have had no valid response.
Im going to start this all over again anyways. Also, am I suppose to send a copy of the letter that I sent to the CA (to the CRA that they are reporting to) with the follow up letter? Thanks again
Just to let you know .. the CRA responded by mail but I double checked online to see the "date completed". Sorry, I dont have their response handy at the moment. How do you KNOW what the results are if you don't have their response?? Perhaps they deleted??
http://whychat.5u.com/ltrcavalhipaa.html
That one??
and after I got all the green cards I immediatley sent the CRA a copy of the green card with the follow up dispute letter. Not suppose to wait until I get a response from the CA to send the follow up CRA letter right? Only waiting on the green card is what I thought.
The instructions CLEARLY state that you should include a copy of the medical dv sent to the CA in the follow up dispute;
http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE
I have disputed this unknown medical account with the reporting Collection Agent,( copy enclosed with proof of their receipt),as per your instructions in your response of xx/xx/xxxx to my dispute of xx/xx/xxxx and have had no valid response.
Im going to start this all over again anyways. Also, am I suppose to send a copy of the letter that I sent to the CA (to the CRA that they are reporting to) with the follow up letter? Thanks again
Just to let you know .. the CRA responded by mail but I double checked online to see the "date completed". Sorry, I dont have their response handy at the moment. How do you KNOW what the results are if you don't have their response?? Perhaps they deleted??
Yes that letter.
I thought I was suppose to send the medical DV letter with the follow up CRA letter.. actually that's the only reason I asked that, just to double check and make sure that was right
Maybe I shouldn't have asked that though. I ask to many questions. No more questions though. Starting the hippa over in 2 months.
I didn't have the response handy is what I meant. I have the response in letter that they sent to me. They did not delete anything. I just cant tell you what the letter says because I dont have it right now this sec where Im at. I will get it by tomorrow if you wanted to know. Hopefully I can find it in the stack of papers I have. Thanks
I thought I was suppose to send the medical DV letter with the follow up CRA letter.. actually that's the only reason I asked that, just to double check and make sure that was right
Maybe I shouldn't have asked that though. I ask to many questions. No more questions though. Starting the hippa over in 2 months.I didn't have the response handy is what I meant. I have the response in letter that they sent to me. They did not delete anything. I just cant tell you what the letter says because I dont have it right now this sec where Im at. I will get it by tomorrow if you wanted to know. Hopefully I can find it in the stack of papers I have. Thanks
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