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Starting HIPAA Process

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I am about to start the HIPAA process and have a couple questions.  So far I have only opted out. 


Can I use reports from MyFico? I've already requested reports from annualcreditreport.com in the last 12 months and I don't have them anymore, but I do have reports from MyFico.


Also, I disputed these collections about 2 years ago before I knew about this process and the dispute comments are still showing, do I need to have those comments deleted first?


Thanks for any help

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NO, you can NOT use reports from MyFico or any other 3rd party reporting/monitoring service.


NO, you should not try to have anything "deleted" from your reports prior to using the HIPAA letter program.


Get your up to date reports. It MAY cost you a few $ to get them (without scores it is about $10.) but it is worth it.

If you have been turned down for credit you can call each CRA and ask for a free credit report to be mailed to you.

Make sure you KEEP your REAL credit reports for at least 3 years each time you get them.


Follow the guides;


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


Once you have your REAL credit reports you can send each CRA the initial dispute letter;


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

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