Jump to content

Why Chat

Members
  • Content Count

    28,893
  • Joined

5 Followers

Contact Methods

  • Website URL
    https://whychat.me/
  • ICQ
    0

Profile Information

  • Location
    https://whychat.me/
  • Interests
    quantum theory

Recent Profile Visitors

9,402 profile views
  1. You say your husband was "paying"?? Did he have insurance that you were covered under?? Are you still on his insurance plan?? If so, get the EOMB ( explanation of medical benefits) from the insurance Co. and see what may or may not have been paid and how much was left as "patient responsibility". Please direct the moderators to transfer this post to the medical debt forum.
  2. Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html After you have opted out and deleted old addresses ( if possible and if you have moved since the date of medical service) send each CRA where this or ANY medical account is reporting; https://whychat.me/hipaadisp.html If you receive a response from the reporting CA as a result of this dispute you can then use the HIPAA letter insert "A" to pay the OC (original creditor health care provider) https://whychat.me/hipltr.html If you att
  3. This occurred because you hadn't opted out prior to applying for a mortgage. The data miners sell your data to scam scum CAs who love to poison accounts of people who are applying for a mortgage. Follow the guides; https://whychat.me/GUIDEBOOK.html send any CRA where this or ANY medical account is showing up this; https://whychat.me/hipaadisp.html from the program; https://whychat.me/GUIDE HIPAA PROGRAM.html Hopefully that will get it deleted. If not come back to this post for further instructions
  4. DO NOT PAY the CA. If it has been over 2 years since the date of medical service it is more than likely that "Revco" ( formally "Professional Recovery" until they got put out of business ) obtained the data on this medical account from a data miner and NOT from the OC (original creditor health care provider) PLUS it is past the SOL ( statute of limitations) for being sued. Follow the guides; https://whychat.me/GUIDEBOOK.html Use this initial letter; https://whychat.me/hipaadisp.html from this guide https://whychat.me/GUIDE HIPAA PROGRAM.html Come
  5. If you received no notice of the sale then you can NOT be sued for the deficiency. Go ahead and send in the letters.
  6. Bridgecrest: This was a loan that my ex had and I co-signed on at the time. Was a horrid loan, and lesson learned. I've paid $16,000 in it, they said even if I paid it off, they wouldn't send the title to me, it would go to her since she was the first signer, and I stopped making payments, she never paid anything on it. She's since disappeared. So anyway, last payment I made was August of 2020 looking at the Experian credit report.(paper copy). I voluntarily gave it to them as a repo in January 2021 after they refused to say I would have the title if it was paid off. I don't know how to
  7. One letter for each collection to each CRA ,IN THE SAME ENVELOPE Make sure you have the letters stapled together with their proof of delivery and copy of the letter to the CA. Saves postage
  8. Follow the guides; https://whychat.me/GUIDEBOOK.html check all your reports carefully for any discrepancies such as different spelling of your name, unknown addresses or duplicate SS#s. https://whychat.me/GUIDE HIPAA PROGRAM.html After opting out and getting old addresses deleted ( if you have moved since April 2020) Send each CRA where ANY medical account is reporting this; https://whychat.me/hipaadisp.html List ALL medical accounts as they appear on the report you are disputing. Come back to this post for additional help or furthe
  9. If the dispute letter to Eq was addressed to their PO box and did NOT require a signature then it was delivered. If you disregarded the instructions and sent it with a signature required then you will have a long wait as it will be eventually signed for and routed to the CRA department that handles NON "consumer" disputes. " I filed a complaint with USPS and it got nowhere" ??? Did you file a complaint with the CFPB? https://whychat.me/hipaaftccomp.html
  10. If you are trying to obtain a deletion of an account from your credit reports you can follow these guides; https://whychat.me/GUIDEBOOK.html If it is a NON MEDICAL account use this; https://whychat.me/SOL PROGRAM GUIDE.html If it is a medical account- repost your question in the medical forum
  11. DO NOT follow "Shareh's" advice. New members give mistaken advice very easily. I doubt very much that a $16. bill is going to hit your credit reports at all. Just to be safe you should follow the guide ( except for deleting old addresses) https://whychat.me/GUIDEBOOK.html You can get your credit reports on line and opt out on line.
  12. Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html Your first step after opting out ( you don't have to delete old addresses) is to send this to the CRAs where this account is reporting https://whychat.me/hipaadisp.html list ALL medical accounts as they appear on the report you are disputing Come back to this post with your results or to ask additional questions OR you can skip all of the above and not wait for verification (although I recommend it to avoid future problems) and If you want to pay the C
  13. If you sent the medical DV to the CA https://whychat.me/ltrcavalhipaa.html and sent the follow up dispute to the CRA(s) https://whychat.me/ltrcavalhipaa.html#DISPUTE and the CRA(s) still did not delete then your next step would be a complaint to the CFPB against the CRA(s) individual complaints if there are more than 1 https://whychat.me/hipaaftccomp.html
  14. You are correct. Medical DV to the CA https://whychat.me/ltrcavalhipaa.html Follow up dispute to the CRA(s) https://whychat.me/ltrcavalhipaa.html#DISPUTE
  15. You can keep your Ex monitoring service but you should still NOT file or respond to answers for your disputes on line.
×
×
  • Create New...

Important Information

Guidelines