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  1. Are these medical accounts?? If so, follow the guides; https://whychat.me/GUIDEBOOK.html Start with this letter to the CRAs where the MEDICAL accounts are reporting; https://whychat.me/hipaadisp.html this is from https://whychat.me/GUIDE HIPAA PROGRAM.html Come back to this post for further assistance and tell us the date of medical service. If these are NOT medical accounts ask the moderators to move your post to the appropriate forum
  2. Go ahead with the medical DV and the follow up dispute. https://whychat.me/ltrcavalhipaa.html https://whychat.me/ltrcavalhipaa.html#DISPUTE
  3. Well since they already have your e-mail address and are using a different report # than the one you used in the dispute you might as well check it on line. Have you heard from Equifax??
  4. OK, wait for results. I assume you have already used your free report? visit annualcreditreport.com, or call 1-877-322-8228
  5. Wait for the snail mail results. Can you check your reports via some other way than signing in to the CRA website??
  6. Unpaid. but this one I could pay tomorrow if it still shows in their system. Last bill dated 03/2020 Pay over phone with debit or credit card IF you are sure you are calling the OC health care provider. If they won't accept phone payment then mail them a BANK MONEY ORDER with the letter below https://whychat.me/hipltr.html ( shortened for your purpose) FOLLOW THE DIRECTIONS; Please make sure that your payment is in the form of a bank cashiers check or bank money order,(do not use a postal money order). THIS IS CONSIDERED THE SAME AS A CASH PAYMENT, that you make a
  7. OK, on the one reporting does it show the health care provider name as a original creditor? Placed for collection: 04/08/2020 Date Updated: 02/26/2021 Original Amount: $2623 Original Creditor: Company Name Estimated Removal Month & Year: 03/2026 Indicates the date of service as 03/2019 This company can only take payments by phone. COMPANY??? Is this a health care provider or not?? If a medical services provider what was the date of medical service??
  8. Contact Quest and your Dr and have THEM get the correct codes. IF they can not get Aetna to accept their submittal, contact Aetna and get an EOMB statement from them that will show how much they WOULD have paid IF it had been allowed.
  9. Follow the guides; https://whychat.me/GUIDE HIPAA PROGRAM.html Send the CRAs where this or ANY medical account is reporting this; https://whychat.me/hipaadisp.html The best way to get medical accounts deleted from reports (if paying) is to pay valid bills directly to the OC with the HIPAA letter insert "a". This should only be done AFTER completing the HIPAA letter program and verifying and documenting a CURRENT business relationship between the OC and the reporting CA. If you pay the OC or the reporting CA in any other way it will be deleted from your reports
  10. WOW!! I don't know where to start!! Did you READ the guides? https://whychat.me/GUIDEBOOK.html The instructions CLEARLY state that all disputes ( including address deletions) should be by snail mail and that ONLY if you have moved since the date of medical service do you need to delete old addresses. The MIB report was not necessary unless you have been the victim of id fraud. "Right now I only see one reporting as a collection. May have time to make payment on the other before it goes on the credit report" What is the date of medical service on the one rep
  11. The CA got your e-mail from Experian. DO NOT RESPOND Wait until you have the result of your dispute from Experian. Yes you messed up the program by signing up with Experian for their "monitoring" service. This negated your opt out so you will have to opt out again. As I said on April 22: "Calling or going on line to Ex will DESTROY the efforts you have made with the HIPAA letter program as it will enter you into the automated computer response system." IF you get a response from the Dr. and get IN WRITING the correct amount of the bill you can
  12. It is obvious that the CA has NO current business relationship to the OC. This account is now not only invalid but OBSOLETE as the "status" date is 7 years ago. The "status" date is the date of service. Send the medical DV to ALL remaining CAs reporting to any CRA https://whychat.me/ltrcavalhipaa.html and send the follow up dispute to any CRAs that have not deleted https://whychat.me/ltrcavalhipaa.html#DISPUTE
  13. If you recently started the HIPAA letter program then you should be following ALL the steps; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html If you have already sent the initial dispute letter to the CRAs; https://whychat.me/hipaadisp.html You will find out from the CRA response and/or any response from the CA if the REPORTING is valid. Depending on the age of the account(date of medical service) the CA reporting may or may not have obtained the account directly from the OC even IF the OC's website names them. IF the accounts are veri
  14. Yes you can follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/SOL PROGRAM GUIDE.html send the CRA(s) where this is reporting this; https://whychat.me/initdispltrsol.html Use the underlined phrase as this is being reported by an OC-like this Here is the suggested text to insert: Please advise me as to the correct name and current address of this creditor, the name of the account holder, and the reported date of first delinquency, as any account I might have had at one time would be obsolete. If you can obtain this informa
  15. I can't address all of your problems but I can help you with this one; Two Unpaid Medical (Me) (Gone 2 Collections) $4500 Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html Send each CRA where any medical account is reporting this; https://whychat.me/hipaadisp.html Once you have followed those steps please post in the medical forum a link to this post for further help on your medical accounts. When responding please give the dates of medical services.
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