Okay...I'm about ready to do the pre-Hippa to all three. I've signed up for CCT, I've gotten hard copies of all 3 CRAs. Addresses have been disputed previously and I've opted out.
Now....this is coming off next fall (2010). Is it worth doing the whole HIPPA process or just try and pre-Hippa the CRAs?
Also...one CRA is showing this as "open". How do I dispute that or can I? It's out of the SOL and date 'opened' is 11/1/04.
Suggestions please!
Account History
This section contains specific information on each account you've opened in the past. Positive information about your accounts remains on your report indefinitely.
I C SYSTEM
EXPERIAN shows closed balance 395.00
EQUIFAX shows no status balance 395.00
TRANSUNION shows open balance 395.00
Only equifax shows "medical unpaid" in comments
All three list as collection account as type.
Also...on my equifax only...there's a 'medical unpaid' account with no account name (CA or OC listed), a partial account # (21XXXXXX), collection account, $151 unpaid.
Should I just pre-HIPPA that and hope it goes away?
Full Version: IC Systems Medical collection - need advice
QUOTE (jaded diva @ Oct 16 2009, 11:33 AM) 
Okay...I'm about ready to do the pre-Hippa to all three. I've signed up for CCT, I've gotten hard copies of all 3 CRAs. Addresses have been disputed previously and I've opted out.
Now....this is coming off next fall (2010). Is it worth doing the whole HIPPA process or just try and pre-Hippa the CRAs?
Also...one CRA is showing this as "open". How do I dispute that or can I? It's out of the SOL and date 'opened' is 11/1/04.
Suggestions please!
Account History
This section contains specific information on each account you've opened in the past. Positive information about your accounts remains on your report indefinitely.
I C SYSTEM
EXPERIAN shows closed balance 395.00
EQUIFAX shows no status balance 395.00
TRANSUNION shows open balance 395.00
Only equifax shows "medical unpaid" in comments
All three list as collection account as type.
Also...on my equifax only...there's a 'medical unpaid' account with no account name (CA or OC listed), a partial account # (21XXXXXX), collection account, $151 unpaid.
Should I just pre-HIPPA that and hope it goes away?
Now....this is coming off next fall (2010). Is it worth doing the whole HIPPA process or just try and pre-Hippa the CRAs?
Also...one CRA is showing this as "open". How do I dispute that or can I? It's out of the SOL and date 'opened' is 11/1/04.
Suggestions please!
Account History
This section contains specific information on each account you've opened in the past. Positive information about your accounts remains on your report indefinitely.
I C SYSTEM
EXPERIAN shows closed balance 395.00
EQUIFAX shows no status balance 395.00
TRANSUNION shows open balance 395.00
Only equifax shows "medical unpaid" in comments
All three list as collection account as type.
Also...on my equifax only...there's a 'medical unpaid' account with no account name (CA or OC listed), a partial account # (21XXXXXX), collection account, $151 unpaid.
Should I just pre-HIPPA that and hope it goes away?
If you have opted out and deleted old addresses whenever possible, then send the "pre-HIPAA" letter. Follow ALL the directions and list ALL medical accounts, paid or unpaid, known or unknown. Make sure that each letter to each CRA lists the medical accounts AS THEY ARE SHOWN ON THAT REPORT.
http://whychat.5u.com/hipaadisp.html
It is more than likely that most or all of these accounts will be deleted with the "pre" HIPAA letter.
TransUnion deleted the Collection ($395) with IC System after receiving the Pre-Hipaa.
Still waiting for Equifax to respond.
However..today just got back results from Experian - came back updated and verified!!
It's due to come off May 2010 - should I just leave it and wait for it to fall off?
I don't have money to pay it off right now and do the insert A letter, so can I DV the CA?
Thanks for any suggestions.
Still waiting for Equifax to respond.
However..today just got back results from Experian - came back updated and verified!!
It's due to come off May 2010 - should I just leave it and wait for it to fall off?
I don't have money to pay it off right now and do the insert A letter, so can I DV the CA?
Thanks for any suggestions.
Forgot to add.....It shows a term of 1 month. Can I redispute with that?
QUOTE (jaded diva @ Oct 30 2009, 01:14 PM)
TransUnion deleted the Collection ($395) with IC System after receiving the Pre-Hipaa.
Still waiting for Equifax to respond.
However..today just got back results from Experian - came back updated and verified!!
It's due to come off May 2010 - should I just leave it and wait for it to fall off?
I don't have money to pay it off right now and do the insert A letter, so can I DV the CA?
Thanks for any suggestions.
Still waiting for Equifax to respond.
However..today just got back results from Experian - came back updated and verified!!
It's due to come off May 2010 - should I just leave it and wait for it to fall off?
I don't have money to pay it off right now and do the insert A letter, so can I DV the CA?
Thanks for any suggestions.
The next step is to send the medical DV to the reporting CA, wait until you receive a response from Eq. as you would need one letter for each CRA where the CA is reporting.
http://whychat.5u.com/ltrcavalhipaa.html
As soon as you have the green card back, you send this to the CRA(s)
http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE
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