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Hello, I have been following this forum for a while and decided to try using WhyChat's HIPAA process to try and have some medical collection accounts removed from my Credit Report. I had 7 accounts on my Credit Report - all opened in 2010 - which I disputed with some success. I did the following after reading the HIPAA guide: 1. Opt-out 2. Remove old addresses - EQ/TU obliged while EXP would not agree initially 3. Pull Credit Reports 4. Send initial dispute letter I had pulled my credit report from all 3 bureaus and sent them a letter asking for clarification on all the medical accounts on my report. I had mailed out my letters on the 11/18 but received a letter on 12/2 from Experian stating that the report I had based my dispute on was not eligible and I would need to pull another report. ( I had purchased a single report from their website after speaking to an agent but it turned out they have two services - a Credit Report with Score Watch for $11.xx on their main page and the Credit Report with a report number which can be used for dispute but which is only available through their dispute page.) I then sent in a written request to ask for a credit report on 12/9 which reached them by 12/13. On 12/15 I saw that TU had removed all the accounts disputed from their report while EQ had removed all but 1 (which was about $50). I also saw that EXP had removed all the accounts that EQ had even though I had not sent them the dispute letter with the report as yet. My Questions are. 1. The report which I will receive from EXP will most probably have the accounts removed - is there any way I can get them confirmed as deleted so that I can address them if a reinsertion occurs? 2. One account remains on the EQ and EXP reports. I have not got any confirmation from them about the deletion as yet so should I wait for that before proceeding? If the confirmation doesn't explicitly state that they were deleted should I ask for it to assist with any dispute in the case of reinsertion? 3. I have 2 non-medical collection accounts - can I DV the CAs of those accounts in the meantime now? Thanks!

I recently gave up a vehicle voluntarily and it was also listed as 30 days late. The creditor deleted the trade line and reinserted with the notation of voluntary repossession the same day. I know that that it’s supposed to be on my credit, but is there any violation of the FCRA for removing the trade line by accident or not and reinserting without notifying me of the reinsertion?

I have a question regarding reinsertion. I have read over WhyChat's reinsertion letter here: http://whychat.5u.com/ltrcraredisp.html My question is, does the initial deletion that predates reinsertion have to be the result of a consumer dispute? Here's the situation. My last major baddie is Merrick. They are incredibly difficult to get deleted (and yes, they are the OC, have retained the debt, and are still reporting themselves - never been sold to a CA/JDB). I am sure I've disputed this in some way, shape or form every year, but I have no evidence (that I know I can lay my hands on) of a dispute that coincides with the original deletions. I found some old credit report copies, and found them on the reports as follows: Experian: 8/30/2008 - reports Merrick as charge-off with first 30 day as of Jan 2008 (DOFD 12/2007), $1418 balance 3/14/2009 - Merrick not reporting 2/28/2010 - Merrick not reporting 81/12010 - Merrick not reporting 9/29/2012 - Merrick reporting as charge-off, $1418 balance Transunion: 8/30/2008 - Merrick reporting charge-off; date closed 4/2008; estimated to be removed 11/2014, $1418 balance 3/14/2009 - Merrick not reporting 2/28/2010 - Merrick not reporting 7/25/2010 - Merrick not reporting 9/28/2012 - Merrick reporting as charge-off, $1418 balance Today they are reporting to all 3 CRs as charged-off with a balance of $1418. SOL for my state is 6 years, so this is beyond lawsuit SOL, and should fall off in November, but I'd love to remove it sooner. I will start trying to delete as early obsolete if I have no other recourse, however, have I caught them with a reinsertion that will allow me to get this removed sooner? Any input is appreciated.

I disputed an account with EX that was marked as "deleted" in the investigation results section a couple of days later. Since then, the account fell off of EQ and TU as well. Is this normal? Is it a good sign that the account is gone for good?