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SportsMom

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  1. Of course it could not all be as easy as TransUnion was! 1 - In response to the debt validation, the sent me a copy of the bill (which matches the EOB from my insurance). It states payment should be made out to the medical center but sent to the CA office. I want to pay the medical center instead though, so I now use this letter, right? http://whychat.5u.com/hipltr.html 2 - I received a strange response from experian. It basically tells me that if I don't agree with the outcome of their investigation that I need to contact the CA directly. But, nowhere does it state the outcome of the investigation! So, I checked back door: 3 "updated", 6"pending", 4 "remains". Still nothing from Equifax. Off to figure out next steps now...
  2. Update! Good news, so far. I received my first update from the CRA disputes I submitted. TransUnion deleted all 13 disputed accounts!! I have not heard back from the other 2 yet, but am hoping for the same result. No response yet regarding my debt validation letter to the other. Thank you WhyChat for the excellent guidance so far! Once I get these all cleaned up I'll be moving onto all the non-medical baddies on my report.
  3. Sent my inital disputes to the CRAs yesterday, so now I just sit and wait a while! But, where do I start with the one not reporting yet.... When I checked the date of service, I found 2 EOBs - one for me and one for my daughter (I was not seen or treated on this date). The amount in the collection letter is actually for the services listed for me, not my daughter. The portion due is the co-insurance + copay; the insurance made their portion of the payment. The EOB for my daughter also has a balance due (much less), and also has payments made by the insurance company (not in collections or on my credit report). So I know at this point I need to get the debt verified. Who do I start with? The insurance company? The hospital? Phone or letter? I just don't want to contact the wrong organization and screw things up! It's not on my report yet, and I'd like to keep it that way!
  4. Ok - a little more confusion on the one not reporting yet. The actual letter is addressed to me, but opens "Dear [6 yr old daughter]" (this is a bill from an ER visit for her). When I checked the date of service, I found 2 EOBs - one for me and one for my daughter (I was not seen or treated on this date). The amount in the collection letter is actually for the services listed for me, not my daughter. The portion due is the co-insurance + copay; the insurance made their portion of the payment. The EOB for my daughter also has a balance due (much less), and also has payments made by the insurance company (not in collections or on my credit report). So I know at this point I need to get the debt verified. Who do I start with? The insurance company? The hospital? Phone or letter? I just don't want to contact the wrong organization and screw things up! It's not on my report yet, and I'd like to keep it that way! Thanks again!
  5. Hi WhyChat. Thank you for the quick response! The one not reporting is from May 2013. It is from a valid ER visit for my daughter but I will look for the EOB to validate the amount. I am using reports from annualcreditreports.com. Each as a report number. Is that considered "real"? Thanks! Kim
  6. HI, I have 14 medical collections accounts reporting on my credit report, and one that I just received that is not yet reporting. So far I have: opted out deleted old addresses (a few remain on EX but are not associated with current medical collections) The medical collections are: Apex Asset Management (3 accounts - 1 should drop in June*) AR Resources Berks Credit & Collections C-Tech Collections (on TU only) Healthcare Funding Solutions Online Information Services (2 accounts) Senex Services (4 accounts) Med-Rev Recoveries (EX only) Today I received a collection notice from Certified Credit & Collection Bureau, but it is not reporting. Next steps (I think ): For the accounts that are reporting: send PRE HIPPA MEDICAL DISPUTE LETTER to CRA's question: do I dispute the account scheduled to drop off in June, or just let it drop off? For the account not yet reporting - I am confused as to which letter to send. Do I do a medical DV with the CA or do I send the HIPPA letter to the Health Care Provider? Thank you in advance for your help!

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