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Paid Medical Collections - will HIPAA work for these?


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I have recently begun once again trying to fix some things on my credit report so that I can buy a house within the next 6 months. Unfortunately, last year when I began disputing things, I wasn't wise enough to the processes not to pay some things. So, I now have three paid medical collections all reporting that are my only negative items on my CR.

 

Since they are paid, will the HIPAA process still work? Also, it is not the OC that is reporting, it's a CA. One CA (Professional Credit Management) had two accounts, both which I paid in full. The other (Syndicated Office Systems) had an account which I settled, much to my disapproval considering it was for a doctor who was assigned to me while I was unconscious and wasn't covered by my insurance at the time.

 

Here is how they are showing on my EQ report pulled last week:

 

SYNDICATED OFFICE SYSTEMS
Agency Address: XXXXXXXXXXXX
(800) 345-4261
Date Reported: 10/2012
Date Assigned: 10/2009
Creditor Classification: Medical/Health Care
Creditor Name: ST FRANCIS HOSPITAL
Accounts Number: 95494XXXX
Account Owner: Individual Account.
Original Amount Owned: $280
Date of 1 st Delinquency: 04/2009
Balance Date: 10/2012
Balance Owned: $0
Last Payment Date : 27/04/2012
Status Date: 10/2012
Status: P - Paid
Comments: Collection account, Account paid for less than full balance
PROFESSIONAL CREDIT MANAGE
Agency Address: XXXXXXXXXXXXX
(870) 932-7030
Date Reported: 06/2012
Date Assigned: 02/2012
Creditor Classification: Medical/Health Care
Creditor Name: MID SOUTH IMAGING THERAPEUTI
Accounts Number: 329XXXX
Account Owner: Individual Account.
Original Amount Owned: $265
Date of 1 st Delinquency: 11/2010
Balance Date: 06/2012
Balance Owned: $0
Last Payment Date : 30/04/2012
Status Date: 06/2012
Status: P - Paid
Comments: Medical
PROFESSIONAL CREDIT MANAGE
Agency Address: XXXXXXXXXXXXX
Date Reported: 06/2012
Date Assigned: 06/2011
Creditor Classification: Medical/Health Care
Creditor Name: MID SOUTH IMAGING THERAPEUTI
Accounts Number: 303XXXX
Account Owner: Individual Account.
Original Amount Owned: $194
Date of 1 st Delinquency: 12/2010
Balance Date: 06/2012
Balance Owned: $0
Last Payment Date : 23/08/2011
Status Date: 06/2012
Status: P - Paid
Comments: Medical
If HIPAA will work to remove these, would I start with the OC or the CA's? They are all showing the Medical Classification, which makes me think that I SHOULD be able to use HIPAA on them. Just not sure how to go about it.
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One more thing, I also just noticed that the account showing as Syndicated Office Systems on EQ is listed as Central Financial Control (With a different address in a different state) on both EX and TU. Is that possible?? Or Legal?

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You start with the basics:

 

http://www.whychat.5u.com/GUIDEBOOK.html

 

Once you have opted out and successfully deleted old addresses as much as possible, you send each CRA (credit reporting agency) an initial dispute letter. You will be using the HIPAA letter program:

 

 

http://whychat.5u.com/hipaadisp.html

 

Use the new dispute form

 

http://whychat.5u.com/hipaadisp.html

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Thanks WhyChat!!! Been reading through your site today and yes, I have already opted out and deleted all old addresses from EQ & TU. EX of course doesn't want to budge on any that are being used with other TL's. I printed out your new dispute letter and have those ready to send to the CRA's. I should send them CMRRR or just CM?

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