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Hello, I am new to CreditBoards, but have been pouring over the material and am very excited to begin my credit repair. I have triaged my reports and am looking now to tackle a number of old accounts that went to a collection agency for medical services. All of these accounts went to the same collection agency (for services at the same hospital) and range between 6 and 2 years old. I paid the CA in full, directly, for all of these accounts. I read PsychDoc's very helpful sessions, but have been unable to locate a clear path for what to do to have these removed from my credit reports. Do I begin by writing to the hospital directly? Or should I write to the CA, who I paid in full for all services after they went to collections? Does anyone have a sample letter, or can you point me to one, that deals with paid CA accounts (paid to the CA) for medical services? Should I begin with a Goodwill Letter? Or should I jump right to a Nutcase letter or something different even than that? Do I reference HIPAA in such letters? Any an all information is very welcome. Again, I am relatively new, so if I am completely missing something, or there is a post somewhere that answers all this that I have yet to find, please let me know. Thank you!
