Alright, well I've called the OC and they say it's illegal for them to request the CA to remove the account blah blah blah typical OC response. As for the HIPPA/FDCPA, do I send a DV letter so I can see how they communicated my information to the CA and then look for a violation in that? Like I said before, these are two PAID MEDICAL collections. Being medical, they have to be easier then getting regular collections off my CR, right? As for the disputing, I wanted to dispute to see if the CA would just forget about it and not respond and then have the CA removed that way.
Any information anyone can give me would be helpful, I have already read over the HIPPA letter and process but I don't think it applies in my situation, being that they are paid.
Thanks for the help!
@Anonymous wrote:
Given the automation of the verfication process - disputing is not going to help- the CA just says "Yep- This is his/hers and it's paid. It stays until xx/2010"
The best way to deal with a medical CA is going to the OC and work a deal or find a HIPPA/FDCPA violation. or get a PFD.
Even discussing Disputing ACCURATE information is a myFICO TOS violation. This type of dispute often make the CA appear more current in the eyes of FICO and can reduce your score even more.
@Xev0luti0nXx wrote:
I've had success getting several dings off my credit report so far, but the more I read the more choices I see.
I have two (2) paid collections remaining on my CR which are both medical. It is becoming a PITA to deal with these. I did realize though that I haven't disputed them with the CRA's yet. My understanding from what I've read is that if you dispute a paid medical collection the CA can no longer report information as medical information that was released to collect the debt has no business related purpose anymore. Is that correct? That or once they are paid they don't even bother to verify it with the CRA's sometimes?
Also, if I dispute with the CRA's would I just claim "not mine" even though they were and I paid them, just to get the verification process on the way? There have been many different posts on the forum and processes on how to get a Paid Medical Collection removed and I would like to know the best course of action for my situation.
Is it also right that I can DV the CA now and they don't even have to respond since it is already paid? Any help is appreciated!
