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WhyChat - My Medical CA Journey

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Just starting a clean thread here since I am attempting WhyChats method for removing the medical collections on my reports.

So far, the CRAs have deleted the old addresses. They removed them with no fuss at all. HOWEVER, at least on my Experian report and probably on the others, it shows my two medical collections are using my current address. Why is that? The collections say they are from 2013 and 2015, and I didnt live here then.

 

Now, my two medical baddies are small. One is $50 and the other is $207. I mailed off the HIPPA letter today. So I guess I wait?

 

WhyChat- please let me know if theres anything I am missing. Thank you.

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Just starting a clean thread here since I am attempting WhyChats method for removing the medical collections on my reports.

So far, the CRAs have deleted the old addresses. They removed them with no fuss at all. HOWEVER, at least on my Experian report and probably on the others, it shows my two medical collections are using my current address. Why is that? The collections say they are from 2013 and 2015, and I didnt live here then.

 

Now, my two medical baddies are small. One is $50 and the other is $207. I mailed off the HIPPA letter today. ??? WHAT "HIPAA letter" To whom did you send it?? So I guess I wait?

 

WhyChat- please let me know if theres anything I am missing. Thank you.

Have you followed ALL the steps in the guide??

https://whychat.me/GUIDEBOOK.html

Hopefully you sent the CRAs the initial dispute letter;

https://whychat.me/hipaadisp.html

 

from the HIPAA letter program

https://whychat.me/GUIDE%20HIPAA%20PROGRAM.html

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WhyChat, Im sorry. I meant the Initial HIPAA Dispute Letter. I sent that to the CRAs.

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Out of curiosity, can anyone explain what opting out does for us? I see Whychats detail of it prevents your info from being sold to data miners. But what exactly does that mean? I want to actually understand every step and its purpose. So I dont understand what preventing data miners does for us. Can anyone explain?

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The CRAs make most of their $$ by selling data to various entities. If you have good credit you will get offers from top level credit providers, insurance companies and all sorts of financial services. If you have poor credit you will get offers from the bottom feeders. This data is available to anyone who subscribes to any data collection service--including JDBs who get an "alert" when someone is applying for a mortgage loan or whose credit has changed for the better and where there is ANY record of ANY old account -- sometimes just an account of someone with a similar name. That engenders the poisoning of your reports just when you are getting ready to close on a mortgage. They count on a quick payoff.

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Ahhhh... okay. That makes complete sense WhyChat. I really appreciate you explaining that to me. I hate that credit got turned into such a game-so to speak. But Im learning and working my way through your program and hoping for great results. Ill update as soon as I see what results I get from the initial dispute.

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