Paid Medical Collections - will HIPAA work for these?

[wildangel]

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.

[wildangel]

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?

[Why Chat]

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

[wildangel]

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?

[Why Chat]

Just CM--