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akagrl6

Medical collections verified with CB now what

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Hello all, I went to the ER  a couple of years ago and had no insurance. The bill popped up on my Report and I disputed online (this is before i read this thread) they all three came back verified. what are my next steps? this WHyCHat thread is very confusing for me. PLease help!!!!

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How long ago is " a couple of years " date of service??

Follow the guides;

https://whychat.me/GUIDEBOOK.html

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

 

after you have opted out and deleted old addresses ( as much as possible) send the initial dispute letter from the guide to each CRA

https://whychat.me/hipaadisp.html

 

List ALL medical accounts exactly as they appear on the report you are disputing.

 

Come back to this post with the results and for further instructions.

 

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I recently did all those steps and sent the initial dispute letter following Why Chat method. Experian claimed they verified it within 3 days of receiving it. It's actually almost old enough to fall off my credit report in 6mo, but I'm trying to get a mortgage before then. I know they couldn't have verified it as the company Rash & Curtis probably doesn't have the hospital paperwork from 2009. 

 

What's my next steps?

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Was it only verified on Experian?? What was your response from Eq and TU?

Wait for a response from them before doing anything else. It is possible that because your recent online dispute was in the Ex computer system ( and you may get the same response from Eq and TU because of that) that your written dispute got kicked out.

Follow the guides;

If you sent them the initial dispute letter after opting out and deleting old addresses;

https://whychat.me/hipaadisp.html

 

and you say they verified it within 3 days of receiving it?? 

then the next step is to send the reporting CA the medical dv one letter for each of the CRAs it is still reporting to in the same priority mail envelope;

https://whychat.me/ltrcavalhipaa.html

and send the CRAs the follow up dispute

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

Send each CRA a copy of "their" letter together with a copy of the proof of receipt.

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