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I apologize ahead of time for the long post.... (Gulp) finally getting the courage to deal with a few medical collections. I have read Whychat's method over and over and over again over the last few months and it's just not getting through my thick skull. I am going to try my luck at addressing my DH's medical collections first he has two medical collections showing up. Paramount Recovery systems (shows on all 3 credit reports) Quantum Financial Bus (shows on Experian only) ( For this PARAMOUNT RECOVERY SYSTM collection I don't think they submitted it to our insurance, my husband said he recalls getting some sort of mail that described something about the hospital purchasing insurance on his behalf and they covered X about of dollars from a $1500 medical bill a trip to ER - he didn't have his insurance card with him at the time and so he didn't give any insurance information so I am guessing this is the remaining balance? If this makes sense at all.. ) PARAMOUNT RECOVERY SYSTM Placed for collection: 01/27/2012 Responsibility: IndividualAccount Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY Balance: $360 Date Updated: 04/23/2013 Original Amount: $360 Original Creditor: MEDICAL-QUESTCAREERARLINGTON(Medical/Health Care) Past Due: >$360< Pay Status: >InCollection< Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION< Estimated month and year that thisitem will be removed: 10/2018 QUANTUM FINANCIAL BUS Original Creditor:MEDICAL CLINIC OF NORTH TEXAS Address IdentificationNumber:0145434714 Status: Collection account. $27 past due as of Apr 2013. Status Details: This account is scheduled to continue on record until Jul 2017. Date Opened:07/2012 Reported Since:04/2013 Date of Status:04/2013 Last Reported:04/2013 Type:Collection Terms:1 Months Monthly Payment:$0 Responsibility:Individual Credit Limit/Original Amount:$27 High Balance:NA Recent Balance:$27 as of 04/2013 Recent Payment:$0 Payment History: Account History: Collection as of Apr 2013 So far I have tried my best to follow steps on http://www.whychat.5u.com/GUIDEBOOK.html DH has Opted out for 5 years online obtained a free from annualcreditreport.com for Equifax and Experian. TransUnion went to their website and paid for report. All old addresses have been deleted Experian they won’t delete 1 old address, but this wasn’t the address when service was provided if that matters. Note: Transunion shows ACCT INFO DISPUTED BY CONSUMR I did online dispute before I got around to reading whychat’s method. (oops) Now am I am preparing the letters to send to CRAs this one is to TU would that font/background work ok? Wanting a green light before i send these out. Thanks! I did look through my claims for my insurance since i can view them all online and I don't see claims on these dates for these providers or anything close.. even within a few months. Seems like they didn't submit this to my insurance the best I can tell. Update: I did call my insurance company and they could not find any claims for these two items said I would need to get in touch with OC and have them re-file the claim or contest them with CRAs.