Credit Cards Center Credit cards from our partners
Reply
Frequent Contributor
Posts: 283
Registered: ‎02-05-2012
0

Discharge bk med debt question

So, 

 

If my medical debt was assigned to a creditor and now that I am discharged do they have to delete the records? Because the accounts essentially don't exist anymore.

Last App: 9/16/13
BK Discharge: 6/12
NavyFCU Flagship Visa Sig $10k | NavyFCU nReward Secured $500 | NavChek $5k | Walmart $600 | Capital 1 Quicksilver $750 | Capital 1 Plat $1k | Kays $400 | Amazon $600 | Express $250 |
Community Leader
Valued Contributor
Posts: 2,441
Registered: ‎11-29-2012
0

Re: Discharge bk med debt question

I'm new here too, but I don't think they have to delete the records, they just have to change the balance to $0 and say IIB (included in bankruptcy).  However, since it is medical debt, you may be able to have the record deleted entirely by asserting your rights under HIPAA.  Search for HIPAA process on myfico or google it.  I plan to use HIPAA after my discharge in February.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Community Leader
Frequent Contributor
Posts: 4,206
Registered: ‎07-12-2012
0

Re: Discharge bk med debt question


starry1 wrote:

I'm new here too, but I don't think they have to delete the records, they just have to change the balance to $0 and say IIB (included in bankruptcy).  However, since it is medical debt, you may be able to have the record deleted entirely by asserting your rights under HIPAA.  Search for HIPAA process on myfico or google it.  I plan to use HIPAA after my discharge in February.


You peaked my interest on this.. I have some collections and charge offs for medical bills that I iibk, they are vali though. Should I be using this HIPPA method to get them deleted or just leave them be now that they show iibk?

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 07/2016
734 TU FICO 07/2016
746 EX FICO 07/2016
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $6.2k Cap1 Quicksilver | $10k Amazon Store | $14k Cap1 VentureOne | $7k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa
Community Leader
Frequent Contributor
Posts: 4,206
Registered: ‎07-12-2012
0

Re: Discharge bk med debt question

If this info requires a PM because of legal issues I would greatly appreciate some insight

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 07/2016
734 TU FICO 07/2016
746 EX FICO 07/2016
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $6.2k Cap1 Quicksilver | $10k Amazon Store | $14k Cap1 VentureOne | $7k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa
Frequent Contributor
Posts: 283
Registered: ‎02-05-2012
0

Re: Discharge bk med debt question

I am looking for help with this situation also.

Last App: 9/16/13
BK Discharge: 6/12
NavyFCU Flagship Visa Sig $10k | NavyFCU nReward Secured $500 | NavChek $5k | Walmart $600 | Capital 1 Quicksilver $750 | Capital 1 Plat $1k | Kays $400 | Amazon $600 | Express $250 |
Community Leader
Frequent Contributor
Posts: 4,206
Registered: ‎07-12-2012
0

Re: Discharge bk med debt question


ihatemyscore wrote:

I am looking for help with this situation also.


I will be dropping my letter off to be mailed tomorrow. I am going to try TU because I read that they are the easiest. Will keep you updated!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 07/2016
734 TU FICO 07/2016
746 EX FICO 07/2016
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $6.2k Cap1 Quicksilver | $10k Amazon Store | $14k Cap1 VentureOne | $7k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa
Community Leader
Frequent Contributor
Posts: 4,206
Registered: ‎07-12-2012
0

Re: Discharge bk med debt question

Well I sent the HIPAA letter to TU and just yesterday I got a letter back stating they have deleted the 5 medical charge off accounts that were reporting as iibk. These accounts arent showing on EQ and I heard EX is hard to deal with so I didnt try. I have also read that TU is the easiest.


ihatemyscore wrote:

I am looking for help with this situation also.




 

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 07/2016
734 TU FICO 07/2016
746 EX FICO 07/2016
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $6.2k Cap1 Quicksilver | $10k Amazon Store | $14k Cap1 VentureOne | $7k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa
Frequent Contributor
Posts: 283
Registered: ‎02-05-2012
0

Re: Discharge bk med debt question

I got all mine deleted from TU no problem with a online dispute. EX is the coprate.

Last App: 9/16/13
BK Discharge: 6/12
NavyFCU Flagship Visa Sig $10k | NavyFCU nReward Secured $500 | NavChek $5k | Walmart $600 | Capital 1 Quicksilver $750 | Capital 1 Plat $1k | Kays $400 | Amazon $600 | Express $250 |
Community Leader
Valued Contributor
Posts: 2,441
Registered: ‎11-29-2012
0

Re: Discharge bk med debt question

Yay!  I'm glad it worked for you.  I still don't understand it, so you only had to do the first step?


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Community Leader
Frequent Contributor
Posts: 4,206
Registered: ‎07-12-2012
0

Re: Discharge bk med debt question

Yes! Opted out and sent letter on green paper with purple italic ink. Smiley Happy

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 07/2016
734 TU FICO 07/2016
746 EX FICO 07/2016
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $6.2k Cap1 Quicksilver | $10k Amazon Store | $14k Cap1 VentureOne | $7k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.