Multiple Medical Accounts for Why Chat

[Kmlingo5]

Hi to all! I am new to this forum and in the credit repair world. I have been reading these boards and others for about 4 months trying to gain all the knowledge I can! My question for my medical collections is this:

 

My DH has 6 accounts with one CA/hospital and another 6 from a different CA/hospital. Do I need to send these separately per each CRA or all in one envelope? I know each CRA gets there own dispute, but can mutiple CA go together? I also read that even though I have tried a traditional dispute with a verified response, I can still use the Why Chat method, correct?

 

I have completed opt outs and address removals up to this point!

 

Thank you!

[Why Chat]

Hi to all! I am new to this forum and in the credit repair world. I have been reading these boards and others for about 4 months trying to gain all the knowledge I can! My question for my medical collections is this:

 

My DH has 6 accounts with one CA/hospital and another 6 from a different CA/hospital. Do I need to send these separately per each CRA or all in one envelope? I know each CRA gets there own dispute, but can mutiple CA go together? I also read that even though I have tried a traditional dispute with a verified response, I can still use the Why Chat method, correct?

 

I have completed opt outs and address removals up to this point!

 

Thank you!

Exactly when and with whom did you try a "traditional dispute"??

 

How old are these accounts?? ( dates of medical services)

Was he insured at the time of medical services??, if so do you have his EOBs ( explanation of benefits) from his insurance Co.??

 

If you are following the guides:

 

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

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

 

Then your next step is the initial dispute letter to the CRAs

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

 

You list ALL medical accounts as they appear on the CRA report you are disputing

[Kmlingo5]

Thank you for the quick response!

 

I disputed only 6 of these accounts with Equifax and Experian via online dispute(I know now that I should not have gone that route, but what's done is done there.) I am waiting on the pending results before I send out any more disputes to the CRA's, which will include Transunion, as all of these medical collections are reported to all three bureaus.

 

As far as dates of service, he has no records from these supposed visits. All I can go by is the date opened that is reporting and they are all from 2010 and 2011. With an exception of 2 others that are from 2013, I wasn't planning on including these due to the state's SOL. If that is any concern.

 

He was not covered by any insurance for any of these.

 

 

[Kmlingo5]

Thank you for the quick response!

 

I disputed only 6 of these accounts with Equifax and Experian via online dispute(I know now that I should not have gone that route, but what's done is done there.) I am waiting on the pending results before I send out any more disputes to the CRA's, which will include Transunion, as all of these medical collections are reported to all three bureaus.

 

As far as dates of service, he has no records from these supposed visits. All I can go by is the date opened that is reporting and they are all from 2010 and 2011. With an exception of 2 others that are from 2013, I wasn't planning on including these due to the state's SOL. If that is any concern.

 

He was not covered by any insurance for any of these.

 

 

 

I meant to say I did the traditional disputes at August 9th, this month.

[Why Chat]

Let us know as soon as you have results from your on line disputes.

 

Meanwhile since you did NOT dispute with TU you can send TU the initial dispute letter

 

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

[Kmlingo5]

Will do. Thank you!

[Kmlingo5]

Quick question, there are 14 medical collections on Transunion. Is it ok to do them all? It will make the dispute letter(as per Whychat's sample) two pages instead of one.

[kimbachelle]

Yes, list all as they are reporting, use 2 blue pages if necessary.

 

Just make sure you are keeping good records - it shouldn't be too bad since you only have a few CAs.

 

Good luck!

[Kmlingo5]

Yes, list all as they are reporting, use 2 blue pages if necessary.

 

Just make sure you are keeping good records - it shouldn't be too bad since you only have a few CAs.

 

Good luck!

Thank you again! This is kind of tricky! I am ready to send it out.

 

When I get to the part to send the follow up letter, I can also list all collection agents and account numbers in one letter to one CRA(say Transunion?) The way I read it makes it seem as if I should do one letter for each CA to the same CRA. After this answer I won't be back until I receive any responses!

 

Thanks again!!

[kimbachelle]

It's wonderful that you're studying ahead, but do remember that you need to wait on ALL your CRA responses to know which accounts you will be including in the DVs/follow ups.

 

You can list all CAs/accounts on the same follow up. (But you will be enclosing a DV copy and proof of delivery for EACH CA.) Here is Why Chat's modification for multiple CAs:

 

 

Dear CRA,

My name is xxxxx xxxxxx , my SS # is xxx xx xxxx.

I am sending this dispute certified mail receipt # xxxx to make sure you receive it.

I have no knowledge or records of the following accounts on my report # xxxxx.

account # xxxxx- from ( name of CA)

account # xxxxx- from ( name of CA)

account # xxxxx- from ( name of CA)

I have disputed these unknown medical accounts with the reporting Collection Agencies,( copies enclosed with proof of their receipt),as per your instructions in your response of xx/xx/xxxx to my dispute of xx/xx/xxxx and have had no valid response.

 

ETA The "certified" number will now be the tracking number, using priority mail

Edited September 6, 2016 by kimbachelle

[Kmlingo5]

Yes! I am going to wait for the response from the initial dipute letter.Then I will send the DV,s to the CA's with no verifications. The follow up will only include those that I send TV's to!

 

My initial was sent today and I stocked up on Priority envelopes! Nothing is sent CMRR anymore, correct?

[Why Chat]

Yes! I am going to wait for the response from the initial dipute letter.Then I will send the DV,s to the CA's with no verifications. The follow up will only include those that I send TV's to!

 

My initial was sent today and I stocked up on Priority envelopes! Nothing is sent CMRR anymore, correct?

Correct ( and a BIG thank you to kimbachelle for all her help)

[Kmlingo5]

Hello again! I received the results from my online dispute on August 9th from Experian this morning. 2 updated and the rest were deleted, to my surprise!!! Do I have to wait any amount of time before sending the initial dispute to Experian for the rest of the medial accounts? Still waiting on Equifax....they seem to take forever!

[Kmlingo5]

If a medical account is within the SOL, do I still proceed with the Why Chat method?

[Kmlingo5]

Sorry for yet another post. I went to double check Equifax and results are in. They decided to validate accounts that were indeed delted from Experian! So, only two deletes came out of the dispute with Equifax.....grrrr! Just because one CRA deletes the others do not have to follow suit, correct?

 

Guess I can start the initial disputes with both EX and EQ now.

[kimbachelle]

Yes, include accounts within SOL, and correct that you will often have different results across the CRAs.

 

Wait for confirmation from Why Chat before sending the disputes - you're in a unique situation.

 

To recap -

 

Online disputes on SOME accounts on EX & EQ, results received today.

9/6 mailed initial dispute to TU, as directed.

 

OK to send initial dispute immediately to EX & EQ?

Edited September 8, 2016 by kimbachelle

[Kmlingo5]

Thanks kimbachelle! I will await Why Chats response. To clarify, I can still send initial disputes per Hipaa process even though the account came back verified via online dispute?

[Why Chat]

What is the date of service for the medical account (s) that remain on Ex. and Eq and for the ones on TU?? Are they ALL at least 4 years old??

 

You can skip sending the initial dispute letter to Ex.or Eq Wait for your responses from your dispute to TU .

 

Once you have all responses to ALL your disputes, both on line and using the initial dispute letter, come back to this post with the complete results.

[Kmlingo5]

A few of the accounts will be 4 years old by the end of the year. All others are past the 4 year mark.

 

I did not dispute ALL medical accounts online. Only a few of them. So in essence not all medicals have been disputed yet. I have the intials printed and filled out in handwriting ready to go(for EX and EQ.)If I were to send these I could await responses from ALL CRA,s and then go on to the DV's?

[kimbachelle]

Deleted.. OP answered @same time

Edited September 8, 2016 by kimbachelle

[Kmlingo5]

Yes, that is correct. There are 6 on both EQ and EX that have not been disputed at all at this point. TU has all medical accounts disputed via Why Chats intial dispute letter.

[Kmlingo5]

Could I send out 623's to OC's or CA's regarding non medical accounts while waiting for my dispute results? I have already disputed all other trade lines that are non medical and am wanting to start my 623's. Thanks!!!

[Why Chat]

A few of the accounts will be 4 years old by the end of the year. All others are past the 4 year mark.

 

I did not dispute ALL medical accounts online. Only a few of them. So in essence not all medicals have been disputed yet. I have the intials printed and filled out in handwriting ready to go(for EX and EQ.)If I were to send these I could await responses from ALL CRA,s and then go on to the DV's?

No, you need to send the initial dispute letter to TU ( the ONLY CRA you haven't disputed via internet) with ALL the medical accounts that are on the TU report.

 

THEN, once you have THAT result, you need to let us know what is left on which reports.

 

# the accounts 1-12 or as many accounts as are reporting and ID which are still on each report like this:

TU- 2, 4 and 5- initial dispute letter received 9/xx/2016 - 6 accounts deleted

Ex -2,3, 4, 5 & 9- On line dispute 8/x/2016 - disputed #2,3,6,8- 2 & 3 deleted

Eq- 2,3, 5, 7, 8 ,9 &11 On line dispute 8/x/2016 - disputed #2,3,6,8- 2 & 3 deleted

 

Next to each # on the list of accounts ID it by date of service ONLY, not the CA name or amount. This is a public forum and you don't want any of the reporting CAs to see what you are doing.

 

 

This is the only way we can help you as we need to know EXACTLY what is on your reports, what has been disputed and what has been deleted.

 

If you send ANY new disputes to Ex or Eq, even if they are for different accounts that you had not previously disputed on line your disputes will get merged.

[Why Chat]

Could I send out 623's to OC's or CA's regarding non medical accounts while waiting for my dispute results? I have already disputed all other trade lines that are non medical and am wanting to start my 623's. Thanks!!!

Are you saying that you have ALSO disputed NON medical accounts on line with the CRAs??

 

A FCRA 623 Dispute to Original Creditor is not very useful in getting stuff off your reports. I have a program for NON medical accounts that you can try AFTER you have gotten the medical accounts deleted. If the accounts are older than 2 years since default you would be making it more difficult to get them deleted from your reports if you dispute them with the OCs as that would get them out of their archives and back into their active computer files making it easier to verify once they are properly disputed. IF these accounts are past your State's legal SOL you can use the SOL letter program once you are finished with the medicals

 

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

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

Edited September 8, 2016 by Why Chat

[Kmlingo5]

Ok I will follow your instructions for the medical accounts. I will be back with all the information upon TU's response to medical dispute! Thanks!

 

Yes, I have disputed non medical accounts online, as I was going to go the 623 route. Seeing as how you don't suggest it I will not send out the 623. Can I still use your program for the SOL letter even though disputed online? They are all 4 years old and out of the SOL.