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I am in need of desperate help here. I am new to the creditboards forum and to the credit world. For years I avoided having credit cards and taking out loans, as this is the way that my mom and pop raised me. We did everything in cash. So here is my dilemma. I have read and re- read Whychat’s HIPPA program, warning I am so illiterate when it comes to credit reports and disputing things on it. So this is all foreign language to me. If I sound dum well I warned you lol I have this medical bill on my report by some CA. I owe $300.00 but they are reporting it as $350.00 ( I guess the $50 is their fee). I had no insurance at the time, so there is no EOB. I have taken the following steps so far: Opted out Requested my CR via mail and I was able to get it online I got my old addy’s deleted (only with TU), although nothing on my credit report is linked to the old addy’s Now I want to start the HIPPA program here is what I understand so far: Step 1 Dispute medical bill to all 3CRA wait to see if it is validated or not. NOW THIS IS WHERE IT GETS CONFUSING FOR ME: Once it comes back as verified do I contact the CA using the validation letter, sending cert. mail? Wait for a response from the CA? Then What? Contact the OC (hospital) with OR Contact the health care provider using “letter to health care provider” with the payment sending Cert mail. Then inform dispute with the 3 CRA as inaccurate reporting? OR Better yet can I just send payment to the health care provider with the HIPPA violation note, once I confirm that they did cash the MO, I can then dispute it with the 3 CRA as not reporting as valid? Oh boy this is quite overwhelming; I have faith that I will get it right!! Any help is appreciated. I am locked and loaded; I just need a target to shot my letters to!

So I have my old addresses deleted. I received a reply from the last bureau yesterday (took them long enough). I opted out also. Now I know I'm supposed to send Debt Verification letters to the bureau. I'm scared to send them. What happens if I send them, they verify....are they going to put the old addresses back onto my credit report? If I send these letters, will the collection agencies start calling me again (for the ones that aren't paid) or will the ones that are paid be renewed? I'm terribly nervous. My goal is the move my score up about 50 pts by the time all this is completed. Enough to get a mortgage at a decent rate. Its my last chance to do anything. Medical debt is the ONLY negative thing on my credit report....its driving me crazy how lack of insurance for 6 months and getting seriously ill, led to all this drama and ruined my life.

Thank you Whychat for your helpful site. Unfortunately, I have come upon a scenario that I could not find directions for on your site nor this forum (probably because I'm not using the correct search keyword). I have been following the HIPPA Letter Program to dispute two accounts with same CA coming from same OC. After Completing the preliminary steps (removing old adresses, opting out, initial HIPPA dispute with CRAs), I had sent out the medical DV with Balance due letter to CA. It has been over 30 days and I have not heard back form them. All CRAs have come back verified after sending out followup letter. What do I do next? I Know I will have to pay the bill and I am prepared to do so. Thus, I called the OC 2 month ago, before I started the HIPPA Letter Program, to get an exact amount. Apparently, they switch their systems 2 years ago and could not access their files. Was told I would be contacted once their IT Department looked into the matter. When I called to follow up, they still could not access the files. Should I go ahead and send the OC letter and pay now? Other info CA: MERCHANTS ASSOCIATION COLLECTION DIVISION INC OC: Your Care Clinics Amount Owed: $1155 Location: Tampa, Florida Collection Since 10/2010 Still withing SOL

I have a few questions for WHYCHAT, as I just stumbled upon this information tonight and have previously done a few things prior. I pulled my credit report earlier this year and proceeded to dispute almost all of my medical collection accounts. Five of the collections accounts are with one horrible company out of Flint, MI. They did not send me any documentation - it was disputed over the phone and since March have been reporting as disputed on my reports. The other two accounts were with a different company. I disputed both over the phone and asked them for documentation. They did send me what appears to be validation of the debt, as they provided info on the original hospital, billing details, and the screen print outs showing my doctor's names, what I was treated for etc. I never specified with either company as the reason for my dispute -- I just simply stated that I was disputing them. I also have NOT done any disputing through the actual credit bureaus yet. My questions are: 1) Did I screw up anything already? 2) Do I just start at the beginning of opting out, deleting old addresses, and THEN all the rest of the steps in the WhyChat process? 3) Also, on one of the WhyChat pages, there is DV letter for the CA's....do I need to re-send a request for each of those accounts, or do I just proceed with the HIPAA process instructions with NO communication whatsoever to CA's anymore? Then, one more thing happened a week ago. I got a letter from the same awful CA out of Flint, MI saying that they just acquired a new account of mine and that I had 30 days to request validation, etc. Now, this account was ALREADY SHOWING on my report, but with a different company. I have not purchased new credit reports yet, but am about to. Anyways, I called them regarding this debt and requested validation -- they responded in writing with validation and supporting documents. On the phone, they stated that they are NOT YET reporting this debt. I have free credit monitoring through CreditKarma.com and so far, nothing new has popped up yet. I have no problem paying the debts, but don't want them showing on my credit reports once I paid -- which is why I've simply let them sit there for a while because I wasn't sure how to do it. Just want to know where do I go from here...thanks in advance for your help!

Hi Whychat. Followed all the steps. After receiving verification and matching to my EOMB's I paid the OC with the insert A letter. I hand printed that the bank check was payable only to the OC. Received a letter from the CA stating that they were in receipt of payment and that the CA was payed in full and the CRA's would be notified accordingly. I have not had confirmation yet that the bank check was cashed so have not sent any addl letters to CRA or OC. Funny thing is that the date of the letter from the CA is the same day as the OC received the certified mail with the check.... Does the OC forwarding the $$$ to the CA change my next steps? Thank you for all of this knowledge and assistance. It is appreciated greatly.

Happy to say that after DVing Midland for the fiance with the basic DV from WhyChat's Page, Midland has responded to an out of SOL T-Mobile debt saying ... "Based on the information provided to use, we have instructed the three major credit reporting agencies to delete the above referenced MCM account from your credit file. Blah Blah Blah Blah" Thanks CB... Thanks WhyChat.. Pressing Forward!

Hi WhyChat - I successfully paid the OC with your Hippa letter with insert a. The doctors office cashed the bank check on 7/16. How do I ensure that the CA takes it off of my credit report? Thanks so much for the help. I have successfully deleted a bunch of old medical accounts using your process and have 4 other payments out to the original provider using the insert a letter.

Anyone know if the repo process WhyChat has works for a voluntary repo? Bf had a repo back in 2008. C/O date was 07/08. Sale of car was probably 08/08 (b/c date of last payment was 8/19/08). He remembers getting the notice of how much the car was sold for and how he could make ridiculous payments for the deficiency amount. Said he couldn't hence the point of surrendering the car. They said they would take legal action if he didn't and hasn't heard a word since. Balance is still with GMAC and they updated it last on 10/1/2010. He just wants it to be gone from his reports since it won't fall off until 04/2015. Would the repo process work in his case?

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.

Hello All, I'd like to thank all who are involved in the posts and the moderation of this forum as it has proved to be extremely informative. Please hold off on flaming my post, I have been spending the past 2 days scouring this forum for information to help my situation but am still lost with some explanations I found relating to whychat's hippa steps. This is a time sensitive matter as I am trying to close on a mortgage in 2 months. I currently have 3 open medical collections dating back to June 2007 up til November 2007. These medical collections were incurred while I lived in NH, which I only recently moved from in Feb. 2012. Now there a few details I would like to include that I am aware of. NH statute of limitations is less than 4 years on a medical debt which the SOL expired while I lived in NH, however since I moved to MA, I have heard that even though the SOL in NH expired, moving to MA tolled the SOL to be inline with MA SOL regulations which are 6 years? I was contacted by a credit agency for many years but they caught on after a while that any calls or attempts to contact me were futile with the use of caller ID and standard mail delivery, their last attempt to contact me was along the lines of "failure to pay may result in exploring legal ramifications" but that was well over 7 months ago. I have looked over whychats super informative website but have questions about how I should proceed with this opt out letter. I recently called the Medical Office to verify account numbers and see if they would offer a pay for delete. They instructed me they could not do that nor remove it from collections only notify the collections agency that it was paid. I took note of the account number and address to send payment to, and the persons name I spoke with. Since she said I could pay them directly my thought process leads me to believe they have not sold the debt to the collection agency, I imagine this would be clearer with whychats dispute letter, but I am having trouble wrapping my head around the OPT OUT letter. I do not understand the opt out letter, it says to address it to the opt out department but when I do a search for such a department at the medical office I am unable to find anything related to it. My biggest fear is that I send it directly to the billing department, and it ends up in the hands of the person I would have to pay later on with the HIPPA letter and then they refuse to accept payment or send a denial letter about the OPT out. I currently have the money and am willing to pay the debt but require more assurance that this route will work. I have read a lot of other people's success but am scared to execute. My other big fear is that SOL in MA has not yet expired on these debts. While they have a very narrow window to furnish a lawsuit to me before june/november I do not wish to awaken a sleeping giant. A lawsuit would be much worse than the collection. I have pulled my credit report at this time, and 2 of the 3 burreaus are not reporting any collections, only transunion which is only reporting 2 of them. My credit looks alot better than it did with all my scores between 740-783. Should I think about disputing transunion, and if so when or if it gets verified will the other 2 burreaus be notified and re add them? I'm not sure how they fell off EX and EQ but Im grateful for the timing so far. My mortgage broker is telling me to pay this ASAP, is it in my best interest to pay prior to the opt out letter due to my inconvenient time table? And if I do will I have recourse?

Hello All, I'd like to thank all who are involved in the posts and the moderation of this forum as it has proved to be extremely informative. Please hold off on flaming my post, I have been spending the past 2 days scouring this forum for information to help my situation but am still lost with some explanations I found relating to whychat's hippa steps. This is a time sensitive matter as I am trying to close on a mortgage in 2 months. I currently have 3 open medical collections dating back to June 2007 up til November 2007. These medical collections were incurred while I lived in NH, which I only recently moved from in Feb. 2012. Now there a few details I would like to include that I am aware of. NH statute of limitations is less than 4 years on a medical debt which the SOL expired while I lived in NH, however since I moved to MA, I have heard that even though the SOL in NH expired, moving to MA tolled the SOL to be inline with MA SOL regulations which are 6 years? I was contacted by a credit agency for many years but they caught on after a while that any calls or attempts to contact me were futile with the use of caller ID and standard mail delivery, their last attempt to contact me was along the lines of "failure to pay may result in exploring legal ramifications" but that was well over 7 months ago. I have looked over whychats super informative website but have questions about how I should proceed with this opt out letter. I recently called the Medical Office to verify account numbers and see if they would offer a pay for delete. They instructed me they could not do that nor remove it from collections only notify the collections agency that it was paid. I took note of the account number and address to send payment to, and the persons name I spoke with. Since she said I could pay them directly my thought process leads me to believe they have not sold the debt to the collection agency, I imagine this would be clearer with whychats dispute letter, but I am having trouble wrapping my head around the OPT OUT letter. I do not understand the opt out letter, it says to address it to the opt out department but when I do a search for such a department at the medical office I am unable to find anything related to it. My biggest fear is that I send it directly to the billing department, and it ends up in the hands of the person I would have to pay later on with the HIPPA letter and then they refuse to accept payment or send a denial letter about the OPT out. I currently have the money and am willing to pay the debt but require more assurance that this route will work. I have read a lot of other people's success but am scared to execute. My other big fear is that SOL in MA has not yet expired on these debts. While they have a very narrow window to furnish a lawsuit to me before june/november I do not wish to awaken a sleeping giant. A lawsuit would be much worse than the collection. My mortgage broker is telling me to pay this ASAP, is it in my best interest to pay prior to the opt out letter due to my inconvenient time table? And if I do will I have recourse.