Medicals Disputed With Non HIPPA Method..

[lukegotswag]

So me and the neighbor get to talking about him and his credit and come to find out he sent in a blanket NOT MINE dispute on a number of accounts. Most of them were medical and all the medicals remain. In trying to convert him over to the HIPPA method (he deleted as many old addys as he could per a conversation we had months ago) ...so what is best advice. I told him to make sure all those disputes are complete with responses from the bureau. On some posts I see where one states to wait 30 days before touching those accounts again. He does not want to let an idle month go by so he asked if he could dispute some non medical stuff since the addresses are now gone.... wait until that dispute is complete or 30 days from when it was received and complete.. and then start over with the HIPPA process. As I know Experian is typically known for the Previously Investigated response, will this hurt or hinder him in any way or will it still constitute as having been included in his PRE-HIPPA letter once sent again. Thanks in advance WhyChat and any others that may chime in.

[Why Chat]

Make sure he has opted out

 

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

 

If he has not moved since the date of his medical treatments, he does not have to get old addresses deleted, otherwise he should try to do so.

 

He can start the HIPAA letter program as soon as he has opted out and deleted old addresses ( if he has moved)

 

http://www.whychat.5u.com/GUIDE%20HIPAA%20PROGRAM.html

 

The "blanket" written dispute that he sent-- ( did he send it to ALL 3 CRAs??) are not likely to interfere with the new dispute, even if the accounts are again verified, he needs that verification to go on to the next step. How old are the medical accounts ( date of service) Does he have his EOMBs ( explanation of medical benefits) from his insurance for those services.

[lukegotswag]

Make sure he has opted out

 

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

 

If he has not moved since the date of his medical treatments, he does not have to get old addresses deleted, otherwise he should try to do so.

 

He can start the HIPAA letter program as soon as he has opted out and deleted old addresses ( if he has moved)

 

http://www.whychat.5u.com/GUIDE%20HIPAA%20PROGRAM.html

 

The "blanket" written dispute that he sent-- ( did he send it to ALL 3 CRAs??) are not likely to interfere with the new dispute, even if the accounts are again verified, he needs that verification to go on to the next step. How old are the medical accounts ( date of service) Does he have his EOMBs ( explanation of medical benefits) from his insurance for those services.

Thanks WhyChat...

 

Do not believe he had insurance. I must have missed that step as well as the only other thing I noticed that we missed that was not necessary was the MBI report (the report if one had applied for medical insurance) ...

 

I will check with him to see what the dates are on some of the medicals as i know SOME of them were from 2 years ago when he was injured but there may be some before then as well.