I have searched this board and researched WhyChat's HIPPA. For those of you with medical collections. Did you do better with PFD or the HIPPA letter accompanied with fill payment? Most of the baddies on my report are medical collections so I think I should concentrate my efforts on those right now. I cannot deal with the CA, they are very unforgiving and I cannot imagine them budging on any of these. Oh one more thing, I have a paid medical collection which was paid to OC after in went to collections. I have tried to dispute several times with CRA and it keeps coming back as verified. Thanks for any replies.