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  1. Are you saying you didn't request an updated report from any of the CRAs when you obtained their responses?? Give it a rest until Aug.1st and then call any CRA where any account MAY still be reporting and request a free credit report based on your fiancée having been turned down for credit
  2. I will believe it when I see it. Likely all that will occur is that reporting CAs will tack on interest and fees to get their collection accounts over the $500.
  3. "the status of the CA is now listed as "closed" on Credit Karma." On which report?? Can you get new reports from all 3 CRAs?
  4. The letter instructs the OC to remove the account from the CA and to have it deleted. If they fail to do that they can and should be reported to the authorities. A dispute letter to the CRAs will also work if the account is not deleted.
  5. If you pay with the letter I suggested " you can pay the dentist with this letter. https://whychat.me/hipltr.html use insert "A" This will prevent your account from being reported as a paid collection" They are precluded from reporting it as a paid collection
  6. The new rules for reporting medical collections that are yet to go into effect will not be applied retroactively. I suggest you pay the dentist directly the $356. and file a complaint against him with whatever State Board you find appropriate. DO NOT pay the CA who is reporting as it will then be reported as a paid collection and may not get removed. Even if it IS removed from your "big 3"credit reports it will still show up on other types of credit reports. Follow the guides; https://whychat.me/GUIDEBOOK.html You do not have to delete old addresses https://whychat.me/GUIDE HIPAA PROGRAM.html In your case, once you have opted out (to help prevent data miners obtaining your credit information and selling it to JDBs = junk debt buyers) and made sure there are no errors or misinformation on your reports, you can pay the dentist with this letter. https://whychat.me/hipltr.html use insert "A" This will prevent your account from being reported as a paid collection
  7. If you are on an account only as a signatory there is no record of your having the account. I misspoke about it needing to be a "joint" account. It can be in someone else's name with you as an authorized signatory.
  8. Open a joint checking account with the other person's name and SS# as primary. DO NOT use the same bank that your current account is in. (If your spouse is jointly liable in your pending lawsuit do NOT use their name )
  9. If you file an income tax return you will have reportable income. If you are below the income level from your investments where your SS benefits are not taxed then your net income as reported is NOT what is claimed when you are applying for new credit. I assume your investment income is with a bank or credit union?? If so, apply to them for a credit card. Or apply at the financial institution your truck is financed with. Your reportable income for any new credit is the sum of ALL your income, including your SS benefits. Your credit score is high enough to get you prime offers.
  10. You state that you "used" the " Whychat debt validation letter" ?? That letter is PART of a comprehensive program and as a standalone letter is useless. Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html Your FIRST letter(s) after opting out and deleting old addresses(as much as possible) is to send each CRA where this medical account is reporting this; https://whychat.me/hipaadisp.html Your following steps will depend on your response from the CRAs
  11. What was the result of the original dispute letters?? Did the reporting CA respond to you??If not, what action did the CRAs take?? If they did not delete did you send the medical DV to the CA? https://whychat.me/ltrcavalhipaa.html and then the follow up dispute to the CRA? https://whychat.me/ltrcavalhipaa.html#DISPUTE If you did not get POSITIVE verification of a CURRENT business relationship between the OC and the reporting CA and you went ahead and paid the OC you have thrown your $ down the drain and accomplished nothing.
  12. You are using the HIPAA letter program but I don't see where you have followed all the initial steps. https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html What was the date of medical service?? Have you sent the initial dispute letters to the CRAs? https://whychat.me/hipaadisp.html If you jumped ahead and sent payment to the OC without first confirming that they were in a CURRENT business relationship with the reporting CA then your $$ accomplished nothing and at best your $$ will be refunded to you.
  13. Wait and see what the CRA(s) do/does. Is this account reporting to only 1 CRA??
  14. I don't believe it would "ding" your credit as there are new regulations in place to eliminate small medical balances being posted. HOWEVER, you should certainly be ready just in case this or ANY other kind of collection is posted to any of your reports. https://whychat.me/GUIDEBOOK.html Opting out helps prevent your data from being sold to data miners. Having MAILED paper copies of your reports allows you to examine them all carefully for ANY discrepancies and gives you a basis ( if you should need it) for future actions. Plus, of course, IF you get ANY correspondence from a CA ( which they are required to do before dinging your reports) you should send them this; https://whychat.me/ltrcavalhipaa.html
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