Reply
Valued Contributor
rckstrscott
Posts: 2,659
Registered: ‎04-25-2011

Re: CA telling me it's "illegal" to delete a PIF collection off report?!?!


hippychic823 wrote:
And one last thing, since it is PIF could I use the HIPAA process if the GW's don't work?

Yeah, the HIPAA process was intended to be used for accounts paid to the OC, to remove CA accounts from my understanding.. I have never used it

 

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
Valued Contributor
rootpooty
Posts: 1,715
Registered: ‎10-28-2011

Re: CA telling me it's "illegal" to delete a PIF collection off report?!?!


rckstrscott wrote:

hippychic823 wrote:
And one last thing, since it is PIF could I use the HIPAA process if the GW's don't work?

Yeah, the HIPAA process was intended to be used for accounts paid to the OC, to remove CA accounts from my understanding.. I have never used it

 

 

-scott



+1 also i have had great success just paying medical debt then gw'ing. after told several times denied pfd the same ca would gw after payment. in my experience medical collections seem easier to gw

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 3k | BOFA 123 3k |
Chase Freedom 1.5k | Amazon 1800 | Walmart 1450 | Buckle 300

On the prowl for Chase Sapphire Preferred!

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+