Jump to content

Should I skip a step in WhyChat method for a valid debt


Recommended Posts

  • I am legally separated from my husband, unfortunately he still receives much of my mail
  • My "ex" husband frequently does not pay bills; he lives itinerantly and frankly does not care
  • Currently, my adult daughter and I have a number of relatively small bills that went to collections- these are accurate bills that went unpaid
  • My priority is to get negative information removed as I am (desperately) trying to get a mortgage in the Spring

 

This issue arose in the past before we separated, and I was able to resolve by approaching the original creditor, obtaining a written statement that they would delete for full payment within thirty days, and then paying. It looks like WhyChat has a more formal and enforceable method? I have a little trouble following it.

 

Would it be effective to skip the validation letter since I know the debts are valid? Will opting out harm building/rebuilding credit. My daughter is a young adult who has never put a foot wrong, but is suffering the dings due to her father. I was not allowed to have my own accounts, but much of his negative information is on my reports. 

 

Thanks very much for any additional guidance you can provide.

Link to comment
Share on other sites


I suggest you follow the program. It is NOT that difficult.

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

The steps in the guide are particularly important as you have had an address change .

the next step would be to send a dispute letter to the CRAs

https://whychat.me/hipaadisp.html

This step is VERY important as it will determine if the original creditor is actually in a CURRENT business relationship with the reporting CA. If they are NOT in a current relationship than the OC will not be able to process your payment or get it deleted from your reports.

 

In your case, I suggest following the 1st 2 steps and then coming back to this post for additional guidance on what steps you need to follow. 

Does your daughter have her own credit reports?? If so you will have to follow the programs for each of you.

 

If the dates of the medical accounts ( dates of service) are older than 2 years ago it is more than likely that the reporting CA is NOT in a current business relationship with the OC but is a "JDB" ( junk debt buyer)

Link to comment
Share on other sites

On 1/26/2022 at 11:55 AM, hegemony said:

welcome to CB!

 

I don't have an answer to your main question but what have you done to get your mail sent to you?

We Forwarded it via USPS, but now his mail is starting to arrive here six months after the children and I moved out of the marital home

Link to comment
Share on other sites

21 hours ago, Why Chat said:

I suggest you follow the program. It is NOT that difficult.

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

The steps in the guide are particularly important as you have had an address change .

the next step would be to send a dispute letter to the CRAs

https://whychat.me/hipaadisp.html

This step is VERY important as it will determine if the original creditor is actually in a CURRENT business relationship with the reporting CA. If they are NOT in a current relationship than the OC will not be able to process your payment or get it deleted from your reports.

 

In your case, I suggest following the 1st 2 steps and then coming back to this post for additional guidance on what steps you need to follow. 

Does your daughter have her own credit reports?? If so you will have to follow the programs for each of you.

 

If the dates of the medical accounts ( dates of service) are older than 2 years ago it is more than likely that the reporting CA is NOT in a current business relationship with the OC but is a "JDB" ( junk debt buyer)

Thank you for this, I am sure you are correct that it isn't so difficult, and I did not mean to give offense. You have clearly put great effort into developing and sharing this. I am just overwhelmed and extremely anxious as due to a recent natural disaster in our community, housing has become a total nightmare. I had planned to buy in the spring, but now everything is up in the air. I will almost certainly need to move by midsummer, so I cannot fail in this credit clean up. I am also dealing with ex's separate bad accounts on my reports, so it is a lot all at once.

 

Yes, my daughter is a young adult in college with a separate report. She's kept her nose totally clean, she just has these dings on her report from the medical debts.

 

Thanks all for your help. Please forgive any awkwardness, English is not my first language and the more stressed the less well I communicate!

Link to comment
Share on other sites

  • 4 weeks later...

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.

Guest
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.

 Share




  • Member Statistics

    • Total Members
      185019
    • Most Online
      2046

    Newest Member
    herefor1reason
    Joined
×
×
  • Create New...

Important Information

Guidelines