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Why Chat

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  1. If it has been reinserted on the other reports, use the same letter to them--don't wait.
  2. A medical facility is not allowed to report directly to the credit bureaus they MUST use a CA. Only you can see the name of the medical facility on your reports, everyone else just sees the term "medical account"
  3. At the bottom of my website there are links to ways to thank me. In particular Kitty Angels has a lot of "spring kittens" and injured cats it is dealing with.
  4. Congratulations--I think!! Doing an on line dispute may seem to be an easy quick way to get things done, and in your case it appears to have worked. HOWEVER!! with Eq at least you are now firmly in their computer system and IF you have any further problem with them it will be impossible to use the HIPAA letter program for any additional disputes for at least 3 Months.
  5. OK, You have a high deductible that apparently was not used up to the time of this procedure. You signed an agreement stating it was outpatient. You now wish to have it re-coded as a dr.'s office. The fact that you were not fully "aware" of the consequence of signing yourself in as an outpatient would not IMO carry any weight in challenging the charges. Your best best is to pay it to the Dr with the HIPAA letter insert "a" to prevent it from being reported as a paid collection. https://whychat.me/hipltr.html
  6. Follow the guides; https://whychat.me/GUIDEBOOK.html How old is the account?? Is it reporting to all 3 CRAs?? What kind of account is it? If it is NOT a medical account and is beyond your State's SOL use this; https://whychat.me/SOL PROGRAM GUIDE.html If it IS a medical account , ask the mods to move the discussion to the medical forum
  7. OK, skip the reason you didn't realize that you would be liable for ?? co-pay?? deductible??? What does your EOMB ( explanation of benefit) from your insurance say?? What was charged, what was allowed, what was paid and how much was left as patient responsibility.?? Follow the guide: https://whychat.me/GUIDEBOOK.html You do not have to delete old addresses, but you DO have to opt out and make sure you have your REAL credit reports. If your EOMB shows that the HC provider never submitted the bill to your insurance then send the HC provider, NOT THE CA this: https://whychat.me/hipltr.html insert "b"
  8. Did you have insurance?? If so, do you have your EOMBs ( explanation of medical benefits) from your insurance Co.?? If not, did you apply for and/or were you offered assistance?? What was the date of medical services?? Were any of these bills included in your BK??
  9. Have you opted out and deleted old addresses?? You are confusing the HIPAA program with other credit repair programs. The "one-two punch" has NO bearing on the HIPAA letter program. OBVIOUSLY your medical DV to the CA should ONLY include the accounts that were NOT deleted-- DUH!! Do not worry about re-insertions unless you have failed to opt out and delete old addresses.
  10. Have you been following the guides?? https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html OF COURSE the next step is to send the CA the medical DV https://whychat.me/ltrcavalhipaa.html and then send the CRA the follow up dispute https://whychat.me/ltrcavalhipaa.html#DISPUTE There is NO WAY that you should pay the CA a RED CENT
  11. Did you get a letter of deletion from Eq.?? If so, send them this; https://whychat.me/ltrcraredisp.html In accordance with the requirements of the FCRA as shown below,I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. This account under a different CA name (insert previous name) was properly disputed and deleted with your letter of ( give date of letter) It has been re-inserted by (name of new CA ) Certification of accuracy of information. If any information is deleted from a consumer's file pursuant to subparagraph (A), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer's file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification,this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause (ii), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion (I) a statement that the disputed information has been reinserted; (II) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and (III) a notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data (C) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available; Please furnish me with a full description of the procedures used to determine the accuracy of the information. (7) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)(B)(iii) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days (sign as above in first example)
  12. No, you can not dispute addresses at the same time as your initial disputes. What EXACTLY was the result of your disputes to the other CRAs beside Ex?? Did Eq. send you a "remains" on your other "half" that they did not delete?? Here is what you need to do to fix this-- On TU, do nothing except the opt out ( which opts you out from ALL the CRAs). On Eq. send the medical DV to those CAs whose accounts were not deleted; https://whychat.me/ltrcavalhipaa.html from the HIPAA letter program https://whychat.me/GUIDE HIPAA PROGRAM.html and then send the follow up dispute to Eq. https://whychat.me/ltrcavalhipaa.html#DISPUTE On Ex. wait until you have a response from them after your sending them proof of your ID and address, then come back to this post for instructions. How old are these accounts?? ( date of medical services)
  13. Ignore the letter from the CA. Wait for a response from the OC. It will likely be at least 2 weeks before you get confirmation that your MO was deposited and get any kind of response from the OC. They generally are stymied when they get payment this way and don't know how to handle it . Be patient-- and enjoy the reformatted Board
  14. Did you follow the WHOLE program? https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE%20HIPAA%20PROGRAM.html
  15. Why Chat

    Credit Repair is not a Video Game

    ^^^^^*****^^^^^^ I do not suggest using purple highlighter or anything else similar for SERIOUS disputes, however, for INITIAL disputes I believe my suggestions are valid in getting the "low hanging accounts" off of reports. https://whychat.me/GUIDEBOOK.html (BTW hegemony, I LOVE your signature)

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