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  1. Thanks for the response WC. She was sued, served papers personally at home, and a judgement brought against her. Somehow the judgement lead to her a payment plan. However, come to think of it she never appeared in court so I'm assuming there was no official final judgement against her and she opted to make payment arrangements directly with the creditor. I'll have to get back when I have more info as this is confusing myself. However, just wondering, if she is paying on this debt which consists of multiple accounts that are reporting on her credit report as collections, are there any actions she can take to have them removed from her credit report if she's already on a payment plan with the OC?
  2. WhyChat, I want to thank you for your help on this board as it has helped me in the past with many medical collections. However, as of late my wife had been served a final judgement for multiple accounts with a hospital/related physician offices. The letter states DEFAULT JUDGEMENT so I'm not experienced with such cases. She is on an auto-payment plan with the OC however has multiple accounts on her credit report. It had only been several months and they served her, I said that's very unusual but I've heard many stories. Anyways two questions: 1. Since she is dealing with the OC after a supposedly "final judgement" paper from the courts, what is the best course of action for her to pay this in full instead to have several items removed from her credit report given it's status? 2. Right now I have her sending pre-hipaa disputes and/or just straight letter to the original health care creditor w/ full payment. However, you have it stated for the OC HIPAA letter as: It will ONLY work if the claim is either INACCURATE, or you remit the valid correct amount due with the letter, and ONLY if you have confirmed a CURRENT relationship between the OC and the CA. Does this mean if the data is correct, full payment will still not remove this from her credit report?
  3. I've been out of the loop for awhile and used to use USAA in the past for daily pulls for all 3 CRAs. Is there something like this still available?
  4. I'm posting this on behalf of my wife. She is looking to either purchase/lease a new car. Your Age? 30 Your Equifax Credit Score? 563 Your Experian Credit Score? 609 Your TransUnion Credit Score? 618 How many years have you been on file with Equifax? 12 years How many years have you been on file with Experian? 12 years How many years have you been on file with TransUnion? 12 years YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? No Will this open auto loan be a trade-in? n/a How many late pays within the last 12 months on the currently open loan? 2 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? n/a Your current open auto loan payment is? n/a Estimated amount you may be upside down in this vehicle? n/a Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) n/a YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 9 Total percentage utilized overall? 76% How many of your revolving accounts are store cards? 5 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 4 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 3 years 2 months Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage Your Monthly Rent or Mortgage payment? 2000.00 How long have you held your current job? 11 years Your total provable monthly gross income is? $8783 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Paycheck stub Is there additional monthly income? What amount monthly? no Describe the source. n/a Is the additional monthly income provable? n/a Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? $500 Does any credit repository contain any Public Record? No If yes, please very briefly describe. n/a Does any credit repository contain any Collection Account(s)? yes If yes, please very briefly describe. medical Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 9 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 9 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 8 New or Used vehicle you are considering: Please very briefly describe. 2016 Kia Sorento EX $27k
  5. Thanks. Right now I just have a tid high-util across the board that needs to get paid down, but was going to double attack it with getting rid of inquiries as well. If not necessary then I'll drop my pullers.
  6. With EX having 6 inq, EQ 4, and TU 4, is it worth using daily pullers to remove them for the best possible FICO score?
  7. alright thanks everyone! i've never had to deal with this extra step before so hopefully these 2 letters work. one more question though, does the letter to the OC to be addressed to their legal department if they don't have a HIPAA Compliance Office?
  8. Whychat updated the program to no longer include the green card So send regardless of waiting for the CMRR to come back?
  9. It was a personal check!! ah, I had the wife send it out and forgot to tell her. I can verify the screenshot of the actual check deposited. It looks like it was deposited by some bank stamp. Do I have this Freedom Unlimited update correct? First I sent this to Experian... To Equiexptu Sirs; This is a dispute of account information on my credit report, (report #) Please re-investigate (or investigate if you have not previously disputed) the following disputed account on my credit report. (give CA name and acct. #) Please furnish me with verification that (CA name) is reporting this account from (OC name) for ($ amount) in my name. I require the identification of the reporting party and the date of their verification. I require documentation of the authorized HIPAA business relationship between (CA name)and (OC name) and documentation of your authorized HIPAA business relationship between yourself and either ( name of CA) or (name of OC). Please be advised that this request is being made in accordance with the requirements of the FCRA and FACTA and the privacy rules of the HIPAA and (your State)'s Medical Privacy Act. Please be advised that you are subject to the penalty rules of the HITECH Act as issued 11/30/2009 and Omnibus Final Rules effective 09/23/2013. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on “Abusive” Acts or Practices.( Section 1031 of the Dodd-Frank Act ) Sincerely, Ido N Tnow Then once I receive green card back from CMRR I sent this to the OC... Your Name Address HIPAA Compliance Office OC Name Address Re: Letter of (date of original letter) Account #(original account #) Dear Sir or Madam; Enclosed please find a copy of my letter(s) of dispute to (CRA (s)). Please note, I am providing you with an additional opportunity to have this account removed from (CA) and deleted from my credit reports if you have not already done so. I have no desire to cause you unnecessary difficulty,however,this entry of my private health care information,on my credit report, for an account that no longer has ANY permitted business purpose waiver since there is NO payment due, has caused injury to my credit reputation,and has left me no choice but to proceed with the following: Upon my receipt of the FCRA and FACTA mandated reply from (CRA),if the account has NOT been deleted in its entirety,I will take appropriate action to enforce my rights under the HIPAA, FCRA and FACTA rules and ARRA , including the penalty rules of the HITECH Act as issued 11/30/2009 and Omnibus Final Rules effective 09/23/2013. and (your State)'s Consumer Protection and Medical Privacy statutes. Sincerely,
  10. I used one of WhyChat's letter and sent with a check to pay-to-the order of the OC and a week later I received a receipt from the collection agency???? Seems illegal. What do you do in this scenario seeing as the item is still on my credit report?
  11. To note: I have already spoken with the OC who said they could only pull back the account if there was a balance, but since there is a $0 balance due there is nothing they can do. In this situation, what are my steps to having this PAID collection removed from EQUIFAX? It is vital that I get it removed as quickly as possible. Any suggestions would be greatly appreciated.
  12. From what I gather from WHYCHAT is I should send the following letter CM to the CA, correct?
  13. I know this is an old post, but I still need to resolve this issue from my EQ report. There is only one older address being reported which I have initiated an online dispute to have it removed. Are there any suggestions to having this ARB account removed from my EQ report?
  14. Thanks, but what exactly is a Jack Attack?
  15. Anyone's assistance wood be greatly appreciated. Thank you.

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