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I was hoping someone could help me. I have a car loan that I purchased in 2006 and financial through citifinancial. I voluntarily surrendered the car in 4/2010. At some point between surrendering the car and the car selling at aution, Santander took over for citifinancial. They are reporting on the cra's every month. I know that I am responsible for the left over balance. It is showing at around 10k left over. My question is, they have been reporting 90+ days late since 2010. Here is what my reports show.....any ideas if this is correct? Experian Status as of: 10/2013 Date opened: 7/2006 Date of last activity: not available balance: 10,979 current status: unpaid balance reported as a loss by credit grantor past due amount: 10,979 30 day late: 1 time 60 day late: 1 time 90 day late: 25 times (Sept 2011 through Oct 2013) Transunion: Status as of: 9/2013 Date opened: 7/2006 Date of last activity: 9/2011 Date closed: 3/2010 balance: 10,979 current status: charged off as bad debt past due amount: 10,979 30 day late: 0 times 60 day late: 0 times 90 day late: 0 times Equifax: Status as of: 3/13 Date opened: 7/2006 Date of last activity: 2/2010 balance: 10,979 current status: bad debt/collection past due amount: 10,573 30 day late: 1 times 2/2010 60 day late: 1 times 3/2010 90 day late: 1 times 4/2010 This is why i am so confused.....they are all reporting something different. Does this give me reason for disputing particulars? I have read through whychats repo letter's, but I am not sure if i received anything from them or not. I could have, but at the time, I had 3 family deaths happen and I was in quite a fog. Not an excuse, but it is what it is. Hoping someone could shed some light. It seems with whychat's method, you can start disputing if it has been 2 years and you are sure you didn't receive the paperwork. The thing is, I'm not sure either way. Ugh....wish i remembered more during that time. Thanks for reading and anything you can help to add.

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 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!

I used the Whychat letter on my vol repo. I received a canned reply from the OC, which basically said, "If you have a dispute, contact the CRA's directly." So I sent the follow up letter to TU, almost a month ago, which was ignored. I never received a response from TU from the follow up letter. Yesterday when pulling my reports I noticed my TU tanked 30 points. I knew immediately why, and of course, the OC has now updated my reports as current, with a few hundred dollars added to the outstanding balance (prior to the letters they hadn't updated the TL since 2010). Basic info: repo 2009, sold in first month of 2010. No contract or TL updating by the OC until yesterday. What should I do now?

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

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.

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!

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.

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.