I have 3 medical bills on my TU and Exp reports. I had done the online dispute with TU, but not Exp because I did not realize they were on my Exp report until much later. Anyway, TU validated all three medical bills which are from the same CA. All 3 showed up this year. When I went to the hospital they agreed that if I paid a certain amount which I did, they would cover the other 70%. Turns out they didn't actually mean it and all of a sudden I'm in collections and they can't help. I just found out about the Hippa program and am wondering should I wait to start or can I go ahead and do so? If so It would be right on the heels of having already disputed and having gotten a response last month. Just want to be sure because I don't want to fail at this again. The hospital agreed they screwed me and did apologize, but there's is nothing they can do. As when they switched things over it didn't take into account the agreement that was in their system so I'm told. Any help is appreciated.