is there a letter for deleting the addresses and personal info. what is the best way to go about this?

let me get this right. u should only delete old addresses if u have neg. accts. linked to them. all of my med coll. accts. are linked to the current address. I have all positive accts. except med.coll. and a bankruptcy in 2001 that are linked to the 911 account. dont think I had the p.o. box when i filed bankruptcy. also is there a place where u can get all 3 credit scores at once. thanks for everything.

If your old addresses are NOT linked to any derogatory accounts then there is no point in deleting addresses.

Even if you're concerned about identity theft?

just got the results of my husbands transunion report all three CA's deleted this is awesome

even more great news transunion has also deleted my 3 CA accounts also. Now do I need to go ahead and pay these to the OC so I can be sure they cant show up again now the road or what do I do. also got a letter from CSC credit services regarding the letter to equifax for my husbands CA accounts, it reads like this:

Thank you for your recent correspondence regarding you credit file. Your correspondence has been forwarded to the office which researches the credit file concerns of consumers living in your area. Should you have additional questions, please contact the office listed below.

EQUIFAX INFORMATION SERVICES LLC
P.O. BOX 750256
ATLANTA, GA 30374
800-920-7401
No payment to CSC Credit Services is required. If you have provided payment, it will be returned to you. Thank you for giving CSC credit services, an Equifax System Affiliate, the opportunity to serve you.

What the h#%* is this letter talking about. someone or Whychat please help.

yes I'm in the same state I filed in which is KY. And it was chapter 7 that was filed. But what you are saying is not to start disputing anything new until I have these CA's taken care of from all 3 CRA'S. Am I understanding you right. Yes you are, wait for the medical disputes to be completed with ALL the CRAs first, then move on to something else. Even though Transunion is taken care of(no CA's reporting) do not dispute the BKRPCY yet.

Oh yeah, we are going to look for a vehicle tomorrow. how is this going to effect my credit and all this stuff I'm working on. We need one badly it's a half to situation.

ok, received a letter from EXP. today that says:
We have already investigated this info and the credit grantor has verified its accuracy. Please refer to the personal credit report for the name, phone # and address of the credit grantor who verified this info. Pursuant to Sec. 611(a)(3)(A) of the fair credit reporting act, we will not investigate your dispute again at this time. If u still believe the item is inaccurate, then we can add a statement of continued dispute to ur credit report, or u may wish to contact the credit grantor directly to resolve your issue. if u have additional relevent info(anything new that has occurred between u and the credit grantor or courts that should result ina a change to the info appearing on ur credit report, such as a letter from the creditor, a cancelled check or money order, billing statment , contact name of the credit grantor, blah, blah, blah, that was not presented when u previously disputed the info, u may mail it to us and we will reinvestigate ur claim. and it goes on and on and on.

OK, they did not even investigate these 3 CA's(probally because I disputed these online in the early fall, one of them is also a paid CA. Now when I pull my report up they are still investigating the 2 CA's from NCO. So what is my next step. I figured for sure the paid would come off with this letter.

And when I try to pull up the medical Dv letter my antivirus states this is an unsafe site? Yes, unfortunately Norton will give you that message if ANY of the websites on the server are a problem. There has been an ongoing problem with ANOTHER website ( you will see the explanation if you click on the Norton popup) Therre is NO PROBLEM with my website and it is perfectly safe to use, the ONLY danger would be if you went to the website on the server that is contaminated. I notified them a Month ago of the problem and they fixed it, but it has reappeared. I notified them again last week and they probably have fixed it again but it takes Norton time to rerun their scans

Still no results from equifax on mine, but my husband received a letter stating they needed further info. he has to provide proof of identity because it does not match whats on file. so when I send this info in to the address on the letter do I just send it regular mail, since they are requesting it. thanks so much.

ok, i was going over the DV letters and it states " this letter is being sent to you in response to your attached letter." so i dont have a letter from these CA's so I use the phrase, your recent fraudulent verification of an unknown medical bill, right. Recent fraudulent verification of an unknown medical bill is the correct phrase to use.

I'm getting a little confused at this point. And there is 1 that is showing paid, so i use medical DV being reported as paid for that one, am I right. http://whychat.5u.com/ltrcavalhipaa.html#PAID, this is used ONLY if the medical collection is reporting as PAID.

and just to be clear, I can go ahead and start sending these dv letters even though equifax is still investigating, I can just start with EXP, since some of them have been verified. Oh yeah, 2 (NCO) are still pending with EXP so do I need to wait on them results or can I start sending the Medical DV letters to the one's already verified? no special paper or anything is needed for the DV's I assume. Please help WhyChat. No, wait for ALL the CRAs to finish with their investigations, this will save on postage because you must; “Do a separate letter for EACH CRA that the CA is reporting to, make sure the account #'s match the report. You can MAIL them all to each CA in ONE envelope with one CMRR.” You use regular paper and fonts for these letter(s).

This is used for any unpaid medical collection that has been verified, but not FULLY validated: http://whychat.5u.com/ltrcavalhipaa.html

As soon as you have the green cards back from the medical DV, you send the CRAs this:http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE you also use regular paper and fonts for this dispute and send it CMRR.

ok i'm sending my medical dv's out and I have a couple questions. exp. is reporting 2 CA's from Revenue Recovery corp. and equifax is reporting 2 CA' from Adjustment Services but the accounts r the same from HMS Diagnostic Services. Is this common that 2 different CA's report the same bill from the same company? No that is usually a sign of a JDB, The CA may operate under multiple names.
My 2nd quest. is: My address is posted in the letter right? so I guess I address the envelope as well. But dont sign the letter? Correct don't signed it.

was pre-typing follow up letter to the CRA and dont know what to put where it says "as per your instructions in your response of xx/xx/xxxx (Date of the CRA (s) response to your Pre-HIPAA dispute) to my dispute of xx/xx/xxxx (Date of your Pre-HIPPA Dispute) and have had no valid response." what is it talking about here. What do I put where the x's are at. and also where it says (copy enclosed (Copy Of the Medical DV with a copy of the green card) with proof of their receipt) does this actually go in the letter. (keep the letter as it is written, just fill in the blanks and included a copy of the Medical DV and the green card that matches the tracking number with your follow up dispute) I know this may be dumb questions, but I'm a little brain dead at the moment and cant concentrate. It is OK, I am getting them myself!

ok, mailed my f/u's to the CRA's today after receiving the green cards, also at the same time received 2 responses from 2 CA's in the mail that stated this:

RE: acct.#xxxxxx my daughters name

This is in response to the letter we received from you on Feb. 3, 2009( yeah they put 2009). Enclosed you will find an itemized statement and signed consent form for the above referenced account. The account will be removed from your credit report. GOOD!

This is an attempt to collect a debt;any info obtained wil be used for blah, blah,blah.

then the attached letters are like the consent for treatment, authorization to release medical info, and so on. then there is an itemized bill from when my baby was born for a hearing test. I couldnt work due to complicated pregnancy so she had medicaid and they had a copy but for some reasons never submitted a bill. about a year later when i discovered this bill in collections I called them and I guess they billed and got paid, this is the collection that was paid showing on my report, and I never owed anything.

The next one states:

The following is a list of bills that you owe in this office.This is an attempt to collect a debt. any info blah, blah, blah.

creditor patient date of service balance
account #

hms/diagnostic imaging associates my name 6/11/07 110.
xxxxxxxxxxxxxxxx
hms/diagnostic imaging associates my name 3/15/08 36.
xxxxxxxxxxxxxxxx
total 146.00

then it has 2 pages with what it looks like is the billing from a doctors office with codes, ct scans and dates of service no names or nothing like that on it.

any comment or advice on this would be greatly appreciated. and what do I do next?

These medical accounts have been FULLY VALIDATED; there is a relationship between the original health care provider and the CA. Please note that if this was just an invoice from the CA, indicting you owe $XX.XX, these accounts would not have been FULLY VALIDATED and you would NOT pay the original health care provider (s).
Your next step ONLY for these accounts (since they have been FULLY VALIDATED) is to pay the original health care provider (s) with:
http://whychat.5u.com/hipltr.html
Letter To Health Care Providers
insert "a"
Make sure you follow All the directions.
Please make sure that your payment is in the form of a bank cashiers check or bank money order,(do not use a postal money order) that you make a photo copy of the front and back of the remittance, that your name and address are CLEARLY printed on the remittance, that it is made to the order of THE ORIGINAL HEALTH CARE PROVIDER, and that you print or type clearly in the endorsement section "For Deposit Only to the Account of (name of H.C. provider) (This of course allows your IRS deduction as a medical expense). MAKE SURE that you put the account # if available ( not the CA account # but from your original billing, in the "for" section on the front of the money order. If you do NOT have the original account # OR if you have several accounts with the SAME OC under ONE account #, put the name of the patient, date of service and patient's SS # in the "for" area. Send ALL correspondence to the HIPAA COMPLIANCE OFFICE of the HC provider,CMRR. ( If the OC has changed ownership or moved or gone BK, send it certified WITHOUT the return receipt requested.) Do NOT "fax" or "e-mail" anything.

still expecting to hear from 1 more CA. Just update this post when you hear from the remaining CA or your receive the green card.

found the bills for the 2 remaining CA accts. they read as follows;

date 6/11/07 doctor xxxx 76815 pelvic ultrasound 110.00

07/10/07 3098 insurance filed

08/27/07 3098 insurance filed


you are now responsible for 110.00 due to lack of response from your insurance carrier.this balance is now due and payable by you. then it has a diagnosis code.

I since then have changed jobs and have a different ins. and anyways this is when I was pregnant and when my employer ins ran out medicaid kicked in .

the 36.00 is for a chest xray for an ER visit which should have been covered except my fifty dollar deductible. but i wont care to pay this one if I have to.



please help I need to know which insert to use when writing to the original HC provider. Thanks guys you've been a big help to me.