Please help removing Medical Collection

[hotpep]

I've currently one Derogatory remark on my Credit Bureau for unpaid Medical Collection for $1200.00 from one year back which is causing my credit score to drop and negative remarks while apply for new credit.

Actually i had set up make monthly payments with Collection agency for $50 a month and made 2 months of payments but still the CA went a head and remarked on my credit bureau. When i asked why it was reported even though i made payments they mentioned that it'll be removed once it completely paid off. I did not trust them they will remove it and stopped making payments.

Now what are my options? Shall i trust CA and make payment for removing it or look at other option. I've read through some of the whychat'threads here and looks like i can dispute them but not sure of some details.

I'm reading this http://www.whychat.5u.com/GUIDEBOOK.html but looks like lot of info there.

1st step is to Opt Out. Does it mean Send letters to the 3 credit bureaus (Experian, EQuifax & Transunion) asking them not to disclose my info? Am i missing anything here?

Shall i Wait for 30 days after Opt Out?

Get your credit reports directly from each Credit Reporting Agency, you need reports with an individual ID#.

What is an Individual ID? I can get these reports without waiting 30 days from the above step...right

Get your MIB report.

What is this report? Do i need to get this?

I did not move since the date of delinquency. So i don't need to delete Old address...right

I'm not sure what i need to do after?

Please advise and thanks in advance.

[Why Chat]

The directions are here:

 

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

 

The links to the opt out instructions will give you the data you need.

 

You do not need an MIB report unless you have a LOT of medical accounts or believe you may be the victim of ID theft/fraud. You can not get an MIB report unless you have applied for health or life insurance.

 

We have no way of your paying anything to a CA that is included in the HIPAA letter program.

 

If the account is fairly new ( date of medical service under 2 years) and you are getting account data showing your payments and the reporting shows a declining balance, then all you can do is to pay it off and hope for the best.

 

If it is more than 2 years old and you have NOT been getting accurate account data, then stop paying them and follow the directions in the HIPAA letter program.

[hotpep]

Thanks Whychat for the response. Date of medical service is in Nov of 2011. Reported to Collections in August 2012. Do you recommend to pay off and ask for delete?

[breeze]

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

 

click this and read until your eyes bleed.

[breeze]

This program does not use any "pay for delete" techniques, like you read about in the main forum. That's why this section is separate. Pay for delete can have inconsistent results, and can only be used in certain circumstances. Why Chat developed the HIPAA method - you must follow it exactly, do not leave any steps out - it works consistently 99% of the time.