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WhyChat - Start Over With This Account Or Am I Missing The Next Step


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Been disputing a medical account for the wife that persists to hang out on her report. Only reporting to Equifax right now...honestly can't recall if it ever reported to the others. Anyhow, this was the roadmap in dealing with this account thus far:

 

Credit Bureau dispute (using blue background form) - VERIFIED with the credit bureau

 

Follow up DV to collection agency using letter in this program..

 

Unless we missed it in the mail (which doesn't really happen with us) never received any other follow up from the collection agency

 

I can honestly say that I never got around to the follow-up dispute to credit bureaus that we are supposed to send after receipt of DV by collection agency..

 

The DV to collection agency hit the 30 day mark roughly around June 8 ...mailed on 5/5 and received 5/8 (I know... I kind of forgot about her entire medical dispute process)

 

At this point I am wondering is there some sort of letter to send due to receiving no response from the CA, or if I should start the medical dispute process back over from the blue letter for this account due to the amount of time I let pass. This is her last baddie on the report and it is ONLY showing on Equifax.

 

Thanks in advance WhyChat.

Edited by lukegotswag
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I'm looking for the information of the follow-up dispute you mentioned. I'm unaware of this. Would you point me in the right direction where I may find these steps listed? I'm not finding it. Thanks in advance.

You need to start your own thread. All help in this forum is individual as the HIPAA letter program is not a "cookie-cutter" method.

Just post the basic information about your problem and you will get the help you need.

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Send the follow up dispute to Eq NOW.

 

https://whychat.me/ltrcavalhipaa.html#DISPUTE

So I sent this dispute on 7/10 and it was received on 7/11. Since then I have been checking backdoor and not even so much as showing in dispute. Issue is we are under contract on a house and our closing date is scheduled for august 28. We have yet to have credit pulled again since Pre-Qual however I am reading that it is not good to have a dispute going at this point. What do you suggest. This collection is only on EQ. Your best advice Sir. Thanks in advance.

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You had already started the dispute with your initial dispute letter so the follow up dispute should have no bearing on your closing. 7/11 was less than 10 business days ago so it isn't surprising that nothing has happened yet. I suggest you calm down and be patient. There are new guidelines now in place on medical credit reporting that should work in your favor.

 

https://creditboards.com/forums/index.php?showtopic=596227

Edited by Why Chat
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You had already started the dispute with your initial dispute letter so the follow up dispute should have no bearing on your closing. 7/11 was less than 10 business days ago so it isn't surprising that nothing has happened yet. I suggest you calm down and be patient. There are new guidelines now in place on medical credit reporting that should work in your favor.

 

https://creditboards.com/forums/index.php?showtopic=596227

 

Equifax updated to show the account under dispute now. Thanks for the reality check as well. Other news that the mortgage specialist provided me with was that medical disputes will not be held against us and that we can have up to $1000 of non-medical disputes in process with no bearing on our movement. This was awesome to learn as well. I will keep you posted on the status of the medical under dispute at this time.

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Send the follow up dispute to Eq NOW.

 

https://whychat.me/ltrcavalhipaa.html#DISPUTE

 

So looking through the EQ backdoor, it appears the account is no longer showing under dispute. I am thinking this account will come back verified again. Just thinking ahead to know my next move when we receive results. What would be the next course of action to attempt deletion. Once again, thanks in advance WhyChat for investing time into this matter for us.

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Send the follow up dispute to Eq NOW.

 

https://whychat.me/ltrcavalhipaa.html#DISPUTE

 

So looking through the EQ backdoor, it appears the account is no longer showing under dispute. I am thinking this account will come back verified again. Just thinking ahead to know my next move when we receive results. What would be the next course of action to attempt deletion. Once again, thanks in advance WhyChat for investing time into this matter for us.

 

When did they receive the follow up dispute??

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Send the follow up dispute to Eq NOW.

 

https://whychat.me/ltrcavalhipaa.html#DISPUTE

 

So looking through the EQ backdoor, it appears the account is no longer showing under dispute. I am thinking this account will come back verified again. Just thinking ahead to know my next move when we receive results. What would be the next course of action to attempt deletion. Once again, thanks in advance WhyChat for investing time into this matter for us.

 

When did they receive the follow up dispute??

 

 

SHowing received July 11. Roughly a week later it finally updated through backdoor to show under dispute and that result would be available soon. That tag is gone on the account now but havent received notification of dispute completion through snail or e-mail as of this point. No changes to the account either.

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Send the follow up dispute to Eq NOW.

 

https://whychat.me/ltrcavalhipaa.html#DISPUTE

 

So looking through the EQ backdoor, it appears the account is no longer showing under dispute. I am thinking this account will come back verified again. Just thinking ahead to know my next move when we receive results. What would be the next course of action to attempt deletion. Once again, thanks in advance WhyChat for investing time into this matter for us.

 

When did they receive the follow up dispute??

 

 

So the dispute shows completed on July 25, 2017 saying that it was verified as belonging to me. I already sent the followup DV when I got this from Equifax the first time and didnt receive anything. Should I send this again like I am repeating the process from before, or is there a different step since I already did that. THanks in advance again WHyCHat.

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