Jump to content

Why Chat

Members
  • Content Count

    28,198
  • Joined

5 Followers

Contact Methods

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

Profile Information

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

Recent Profile Visitors

6,305 profile views
  1. I am sorry you have had no luck with Eq or the CFPB. Wait a few Months (preferably around Thanksgiving) then try an on line dispute with Eq. dispute it as "obsolete" date of service July 9 2012. (This advice is for this poster only)
  2. Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html Send the initial dispute letter to the CRAs listing ALL medical accounts as they appear on the report you are disputing. https://whychat.me/hipaadisp.html Come back to this post with the results for further instructions. Demanding anything from any CRA is futile If the reported account is more than $1000 and your credit report indicates you have assailable assets or garnishable wages you can still be sued as the SOL is 4 years from the date of medical service,( except in a few States where it may be 3 or 6 years)
  3. There is NO WAY for you to pay anything to the OC health care provider at this point. They have long since removed your account records from their active accounts in their computer system. Continue with the dispute process and once you have eradicated this last JDB from your reports you can scroll down on my website and "thank me" with a contribution to one of the listed charities.
  4. That is for accounts that are relatively recent where the date of service is less than 2 years old (that is the usual cutoff date for HC providers to migrate records from their active files to their archives) AND when the HIPAA letter program has documented a CURRENT BUSINESS RELATIONSHIP between the reporting CA and the OC.
  5. Follow the guides (for both yourself and your husband; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html Send the initial dispute letter to the CRAs listing ALL medical accounts as they appear on the report you are disputing. https://whychat.me/hipaadisp.html If you had insurance for the time period of the medical visit try to get your EOMBs from your insurance Co. The obsolescence date is determined on medical accounts by the date of medical service NOT the date the CA obtained the account. The reported account may not belong to your husband, it may be a medical visit he doesn't remember or it may just be an account obtained by a JDB (junk debt buyer) for someone with a similar name.
  6. Unless the documentation they sent you is of recent date paying the OC would be useless as there is no current business relationship between the reporting CA and the OC. ,
  7. No, make sure you follow ALL the steps; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html What was the date of medical service for these accounts?? Are they on all 3 of your credit reports? Were you insured at the time of service?? If so get your EOMBs (explanation of medical benefits) from your insurance Co. The first step after opting out and deleting old addresses is to send each CRA the initial dispute letter; https://whychat.me/hipaadisp.html Make sure you list on each dispute letter to each CRA ALL your medical accounts exactly as they appear on the report you are disputing.
  8. Never. The account has long since been written off and any payment you make to them will either be returned or will go into their general accounts. Once your reports are clean you can, if you wish, make a contribution to one of the charities listed at the bottom of my website.
  9. For both of these you will need to file a complaint against each CRA with the CFPB Make sure you send a follow up dispute to each CRA as suggested. (use your own words but include the paragraph provided) https://whychat.me/hipaaftccomp.html
  10. Check with the hospital and see if they are affiliated with any payment plan services such as Care Credit. Find out if your insurance deductible and co-pay estimates are accurate.(your estimates of costs from the hospital may be based on their billed charges, not on the allowed charges from your insurance) Meanwhile get your credit reports and opt out so you have a basis for future actions. https://whychat.me/GUIDEBOOK.html
  11. Are these medical accounts?? If so, were you insured?? If so get your EOMBs (explanation of medical benefits) from your insurance Co. What was the date of the medical services?? The program I designed does not include ever paying any CA a RED CENT
  12. The response you received was likely from your initial dispute letter---unless you somehow sent the CRAs the medical DV instead of the CAs
  13. I am replying to your new post so that everything stays in one thread. It will take a while for the hospital to process your payment with the HIPAA letter. I note that you said "Your check"?? The instructions are to get a bank money order, NOT a personal check. Did you at least add the restrictive endorsement to the back of the check?? https://whychat.me/hipltr.html 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 photo copy of the front and back of the remittance, that your name and address are CLEARLY printed on the remittance, that it is made to the order of THE ORIGINAL HEALTH CARE PROVIDER, and that you print or type clearly in the endorsement section "For Deposit Only to the Account of (name of H.C. provider)
  14. Yes send the initial dispute letter to the CRAs now. That way IF it actually was directly assigned to the reporting CA they will respond directly to you and you can pay the OC with the HIPAA letter insert "a" (providing your EOMBs show that it is actually owed)

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines