I started getting collection mails from a CA about 6 months back for a medical expense of $130 that was outstanding from a hospital visit in 2001. I had no idea about the expense and disregarded their mails. However when the CA reported it to the CRA, I contacted CA and paid off the debt in full. This was 3 months back. Now that this collection account is on all 3 CRAs, it has greatly damaged my credit rating. I want to get this account removed. I came across this website on the weekend and read a lot in last 2 days.
I just wanted to verify my next steps to go about pursuing this. If I understood correctly:
As I have already paid the CA, I do not have option of following the HIPAA letter process. However I can still send the â€œmedical dispute letterâ€ after opting out. I am hoping that CRA would not get any response from the CA or would not get any details and remove the account from my credit report.
Before I do this, I wanted to get your expert advice. Can I do this after just 3 months of paying the CA or should I wait? What if the CA has not destroyed my records or any details that they have by now? Am I doing it right? Please help.