Multiple Medical Accounts for Why Chat

[Why Chat]

Do I send the HIPAA initial dispute to all accounts NEVER disputed to both EQ and EX? Or would I include the online disputed accounts as well?

How long ago did you dispute on line??

 

If you received ANY deletions from your on line disputes you can go ahead with the Medical DV to those CAs where you disputed but they were not deleted and proceed with new disputes on those accounts that were not previously disputed. DO NOT send a new dispute on previously on line disputed accounts.

[Kmlingo5]

The one online dispute with TU that slipped my mind was probably in July. The other online disputes on EX and EQ were done in August.

 

I will send your initial dispute to all accounts that have never been disputed to EQ and EX. I will await the result from that before sending any DV's. I would like to mail all DV's at the same time to try and save on postage. (I can mail all DV's to CA's in the same envelope for each CRA they report to, correct?)

 

PS: Some addresses that were deleted are showing back up on my reports. I have opted out after checking the backdoors. I don't know why they are popping back up. Don't know if that matters either.

[Why Chat]

The one online dispute with TU that slipped my mind was probably in July. The other online disputes on EX and EQ were done in August.

 

I will send your initial dispute to all accounts that have never been disputed to EQ and EX. I will await the result from that before sending any DV's. I would like to mail all DV's at the same time to try and save on postage. (I can mail all DV's to CA's in the same envelope for each CRA they report to, correct?) CORRECT

 

PS: Some addresses that were deleted are showing back up on my reports. I have opted out after checking the backdoors. I don't know why they are popping back up. Don't know if that matters either.Probably doesn't matter

[Kmlingo5]

Initial disputes delivered to EQ and EX on 10/15/16. Weird thing happened, CK updated and shows that EQ removed EVERYTHING from my report. Addresses, collections and positive tradelines. This happened about 3 months ago as well. What the heck is up with EQ?!?!?!

[Why Chat]

Sounds like a split file.

 

Wait a week and then call Eq and ask to speak to a supervisor, tell them you have a split file

[Kmlingo5]

Is this going to affect the dispute?

 

Also, received a letter from a CA. It says the following:

 

CCS acknowledges receipt of your dispute. CCS has investigated this matter. At this time ccs does not have sufficient information to fully respond to your dispute. We have discontinued collection efforts on this account and are in the process of returning this account to the current creditor. CCS has submitted a request to remove Ira credit reporting of this account. CCS has no control over the manner with which the credit reporting agencies process our credit reporting submissions for this account.

 

However, it is still listed on TU after the initial dispute.

[Why Chat]

Is this going to affect the dispute?

 

Also, received a letter from a CA. It says the following:

 

CCS acknowledges receipt of your dispute. CCS has investigated this matter. At this time ccs does not have sufficient information to fully respond to your dispute. We have discontinued collection efforts on this account and are in the process of returning this account to the current creditor. CCS has submitted a request to remove Ira credit reporting of this account. CCS has no control over the manner with which the credit reporting agencies process our credit reporting submissions for this account.

 

However, it is still listed on TU after the initial dispute.

How are you checking your TU report?? Are you SURE you are seeing an updated report?? Are you using the "back door"??

[Kmlingo5]

It was the paper copy they sent after the initial dispute, including all deletions and updated accounts. I had two accounts with the CA who sent that letter. One was deleted the other updated.

[Kmlingo5]

Is the split file with EQ going to complicate the intial dispute process?

[Why Chat]

Is the split file with EQ going to complicate the intial dispute process?

I don't know, just keep going and see what happens

[Kmlingo5]

In the event of a new collection showing up after the initial dispute, do I now have to do the process all over again for a single account? Or may I start with the DV for the new collection that showed up? DOFD on the "new" collection is 10/2010.

[Why Chat]

In the event of a new collection showing up after the initial dispute, do I now have to do the process all over again for a single account? Or may I start with the DV for the new collection that showed up? DOFD on the "new" collection is 10/2010.

Are you asking if an ENTIRELY NEW collection shows up on all of your reports?? Have you opted out?? Do you believe there are any outstanding medical collections that have not yet been reported??. Check to see if this OBSOLETE (2010) collection is actually a NEW collection or a re-cycled previously deleted OLD collection under a different named CA.

 

No, you can't send the medical DV to a CA on an account you haven't disputed.

[Kmlingo5]

It was never on TU. It has been reporting on EX and EQ. All of the sudden it is now reporting on TU. Yes(I have opted out) I have been following all directions given and read in your literature. It was never delted and added again.

 

Once I am finished up with the accounts I'm currently handling with all CRA's, I must go back and start the process again for any accounts that weren't included this time around?

[Why Chat]

It was never on TU. It has been reporting on EX and EQ. All of the sudden it is now reporting on TU. Yes(I have opted out) I have been following all directions given and read in your literature. It was never delted and added again.

 

Once I am finished up with the accounts I'm currently handling with all CRA's, I must go back and start the process again for any accounts that weren't included this time around?

You can send your new disputes as soon as you have completed the first round of disputes you do not have to wait until you have completed the process with the medical DVs and follow up disputes as you can do THOSE all at once along with the new disputes. If, however you have pending follow up disputes, you are going to have to wait until you get a response to those before you start anything new.

[Kmlingo5]

Thank you!

 

 

I missed a reply in regards on what to do with this CA letter(Received after initial dispute. Still reporting one account while the other was deleted.):

 

 

CCS acknowledges receipt of your dispute. CCS has investigated this matter. At this time ccs does not have sufficient information to fully respond to your dispute. We have discontinued collection efforts on this account and are in the process of returning this account to the current creditor. CCS has submitted a request to remove Ira credit reporting of this account. CCS has no control over the manner with which the credit reporting agencies process our credit reporting submissions for this account.

 

 

Send this to CRA requesting deletion? You are the expert

[Why Chat]

NEVER NEVER NEVER send any CA letter to any CRA. It will CEMENT the account to your reports as a "paid" or "settled" collection, which is WORSE than an unpaid collection because while it is still derogatory, it is NEWER and will SINK your credit scores.

 

Wait until you have a response from your follow up dispute to the CRAs.

 

If you had NOT previously disputed the account, or are in the midst of the earlier stages of the dispute, wait until you are finished with the disputes and THEN come back to this post with results for additional steps you can take.

[Kmlingo5]

Quick questions as I am at the stage of sending DV's to CA's.

 

Do I send copies of my reports with the accounts circled? Or just list them on the the actual DV to the CA?

 

I know 1 letter per CRA reporting, all included in one envelope is ok and to include the PM tracking number in the DV.

 

 

Upon sending the follow up dispute to the CRA's, do I include a copy of the DV letter sent to the CA's or just the delivery confirmation page?

 

Thanks WhyChat and Kimbachelle! I am rolling with the punches here

[Why Chat]

Quick questions as I am at the stage of sending DV's to CA's.

 

Do I send copies of my reports with the accounts circled? Or just list them on the the actual DV to the CA? Copies of your reports with the accounts circled are ONLY used in the initial dispute to the CRAs. Make sure you list the accounts as they are reporting to each CRA

 

I know 1 letter per CRA reporting, all included in one envelope is ok and to include the PM tracking number in the DV.

 

 

Upon sending the follow up dispute to the CRA's, do I include a copy of the DV letter sent to the CA's or just the delivery confirmation page? The instructions CLEARLY state that you include a copy of THAT CRA's DV in the follow up dispute

 

Thanks WhyChat and Kimbachelle! I am rolling with the punches here

[Kmlingo5]

Is there a certain method when mailing the DV and follow up disputes? If I send the DV's tomorrow they won't be received until Saturday. Leaving me with no option until Monday to send the follow up. Is this ok, or should I wait to start everything Monday?

[Why Chat]

Is there a certain method when mailing the DV and follow up disputes? If I send the DV's tomorrow they won't be received until Saturday. Leaving me with no option until Monday to send the follow up. Is this ok, or should I wait to start everything Monday?

Just follow the guide:

 

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

 

If the accounts are verified AND you receive NOTHING from the reporting CA, you send the reporting CA this:

MEDICAL DISPUTE VALIDATION LETTER

For accounts reporting with a balance due

Or this:

MEDICAL DISPUTE VALIDATION LETTER FOR PAID ACCOUNTS

For accounts reporting as PAID

As soon as you have proof of receipt of the above medical DVs, you send each CRA this:

FOLLOW UP DISPUTE LETTER TO CRAs

[Kmlingo5]

Just a question for future reference(after medical accounts are handled.) Is your SOL letter ok to use for out of SOL OC's and CA's?

[Why Chat]

Just a question for future reference(after medical accounts are handled.) Is your SOL letter ok to use for out of SOL OC's and CA's?

Yes, once you have completed clearing your reports of all medical accounts you can use the SOL letter program for non medical accounts.

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

[Kmlingo5]

WhyChat,

 

I have read the instructions on the SOL program. I have multiple accounts with both CA's and OC's.

 

In the body of the initial dispute there is different wording for each type of account.

 

Please advise me as to the name and address of the original creditor, the name of the account holder, and the reported date of first delinquency,as any account I might have had at one time would be obsolete. Please advise me as to the correct name and current address of this creditor, the name of the account holder, and the reported date of first delinquency,as any account I might have had at one time would be obsolete.

 

How can I merge these sentences to include all my accounts into one letter? Is that ok to do?

[Why Chat]

WhyChat,

 

I have read the instructions on the SOL program. I have multiple accounts with both CA's and OC's.

 

In the body of the initial dispute there is different wording for each type of account.

 

Please advise me as to the name and address of the original creditor, the name of the account holder, and the reported date of first delinquency,as any account I might have had at one time would be obsolete. Please advise me as to the correct name and current address of this creditor, the name of the account holder, and the reported date of first delinquency,as any account I might have had at one time would be obsolete.

 

How can I merge these sentences to include all my accounts into one letter? Is that ok to do?

Why would you wish to merge the sentences? The underlined sentence is to be used if the account is being reported directly by the OC, the original sentence is to be used if it is being reported by a CA.

[Kmlingo5]

I want to include all accounts from my report. I have some collection accounts and some charge offs. So, I have to address CA's and OC's in the same letter.