Starting out with the Medical Collections Process

[richrod]

Hello, everyone.

 

For the past week or so, I've been reading up on ways to deal with a CA that recently showed up on my credit report. I stumbled upon Why Chat's HIPAA program, read through it, and while it's quite clear, I just want to make sure it is the right thing for me. I'd also like to use it to ask potential follow up questions along the process.

 

It showed up on my credit report June 28th, with a Date of First Delinquency of February 20th, 2017. At the moment, it only shows up on Equifax and Experian. It's from a hospital visit in California, and I am from and currently live in Arizona, and while I did have medicaid at the time, I was told that it would probably not cover it, but they'd let me go through with it anyway. 

 

I started to get bills from the Riverside County Medical department, but I initially ignored them, as I was an unemployed college student, and my mom advised me it wouldn't matter anyway; The bill was for $991. I'm now 23, and have been working hard on my credit score, this is the only blemish on my record, and I would love to get rid of it completely.

 

I have a few old addresses on my credit report, but they're all from years before this account, and I've lived at my current address for around 11 years now. Do I still have to go through the deletion process for those other addresses? Other than that, I'm thinking my first step would be to fill out and send the "Initial HIPAA Dispute Letter" to the two CRAs that show the collection, is this correct?

 

Thanks in advance for any help!

 

[MarvBear]

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[Why Chat]

You do not have to delete old addresses.

Do you have a copy of the original hospital bill?? If so, what was the date of medical service??

 

Because it is likely at LEAST 3+ years old you are well beyond any danger of being sued;

https://whychat.me/States/state-ari.html

 

Just follow the guides;

https://whychat.me/GUIDEBOOK.html

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

The initial dispute letter will, in all likelihood get the account deleted from the 2 CRAs

 https://whychat.me/hipaadisp.html

[richrod]

Thanks, MarvBear.

 

2 hours ago, Why Chat said:

Do you have a copy of the original hospital bill?? If so, what was the date of medical service??

Thank you for the reply Why Chat. Looking through my stuff, I couldn't find the original, but I did find a bill directly from Riverside County Med from May 6th, 2017. It states the the date of service as February 20th, 2017.