Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.

Sign in to follow this  

Is it too early to try again?

Recommended Posts

I have 3 medical bills on my TU and Exp reports. I had done the online dispute with TU, but not Exp because I did not realize they were on my Exp report until much later.


Anyway, TU validated all three medical bills which are from the same CA. All 3 showed up this year. When I went to the hospital they agreed that if I paid a certain amount which I did, they would cover the other 70%. Turns out they didn't actually mean it and all of a sudden I'm in collections and they can't help. I just found out about the Hippa program and am wondering should I wait to start or can I go ahead and do so? If so It would be right on the heels of having already disputed and having gotten a response last month. Just want to be sure because I don't want to fail at this again. The hospital agreed they screwed me and did apologize, but there's is nothing they can do. As when they switched things over it didn't take into account the agreement that was in their system so I'm told. Any help is appreciated.

Share this post

Link to post
Share on other sites

Welcome to Creditboards!

We hope that you find what you're looking for here.

Some helpful tips:

  • Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board.
  • If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros!
  • If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS.
  • Off -topic posts should go in the General Forum.


Again, welcome to the CreditBoards family!

CB Admin: LKH, Pam, radi8, :angel:breeze:angel: & MarvBear


Share this post

Link to post
Share on other sites

follow the guides;


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

Send each CRA the initial dispute letter. List  ALL medical accounts as they appear on the report you are disputing.



What was the date of these medical services?? Were you insured?? If so, get your EOMBs (explanation of medical benefits) from your insurance Co.


Come back to this post with the results of the above suggested actions and the answer to the questions.

Share this post

Link to post
Share on other sites

Update: Thanks for all of the help. I did as instructed and the collection agency wouldn't budge. So I sent the follow-up letter to the CRA's, but in anger I had an idea that I was going to bombard them with complaints from everywhere so I reached out to the BBB while I waited for the response back from the follow-up letters. Now, I'm not saying that this will work for everyone, but here's what happened. 


I filed the complaint and they told the BBB that they were sending validation letters to me from the original creditor. Obviously not what I wanted to hear so my response to that was that I would file a complaint and continue to complain to the CFPB if they did not remove the collections. I figured I had a leg up on this because they had made several mistakes in reporting this to my credit and I was right. They removed every last collection by the end up the following week. 

Edited by holdupswolledup

Share this post

Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information