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Need help with a pre-HIPPA verified debt


The last post in this topic was posted 3743 days ago. 

 

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I'm fairly new to these boards and have been working on cleaning up my credit for about 4 months now. I just learned about the HIPPA process a week ago, on another board where it is very taboo/almost forbidden to discuss the HIPPA process. So going on previous advice I had received elsewhere, I began disputing with CRA's, sending DV letters to CA's and hoping they didnt respond, so I would get a deletion. I got nowhere. I tried the Pay for Delete method. One worked, just mailed that out yesterday. In the course of this process, one the medical collection agencies responded to my validation request, by sending me a copy of my full itemized hospital bill with procedure codes and descriptions, etc. This had me freaked out yesterday and I was certain that had to be a HIPPA violation in itself. Didnt really get clarification either way on that, but it doesnt change the fact that I want to remove this collection. So with that being said, can I:

 

Start the HIPPA process even though they already verified by mailing me a copy of the bill?

 

Would I proceed as if I had done nothing previously or should I start further in the process since I already have verification?

 

I opted out. Pulled two fresh reports (EQ and EX, locked out of TU because of a dispute that hasnt been finished yet)

 

I also faxed and mailed address deletion letters. This was just at the beginning of the week, so I imagine i will have to wait a while for verification they have or have not been deleted before proceeding to the initial dispute with CRA's.

 

 

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I have no idea what you have done-or how it would affect your using the HIPAA letter program.

 

If you have used advice from another site that instructed you to NOT use the HIPAA letter program-- then why are you here??

 

If you decide to use the HIPAA letter program, here are the guides:

 

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

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

 

If you have sent any kind of dispute to the CRAs within the past 90 days, you will have to wait to send the initial dispute letter to the CRAs until 90 days from the date of your last response from the CRAs to use it.

 

If you agreed to a PFD with a CA, then all I can tell you is that a PFD will HURT your credit more than it will help it.

A paid collection is still a derogatory and because it is NEWER will REDUCE your scores.

 

If you decide to use the HIPAA letter program, please let us know the dates of medical service and if you have any EOMBs ( explanation of medical benefits) from your insurance. OR, if you were not insured, if you applied for assistance.

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