07-16-2009 04:01 PM
BUT it's the 4yr old one. I have one from May 08' that I really wanted to get deleted too and that's the one I specified more. These are both paid medical accts.
I got a letter in the mail today saying they will delete the older one.
True Credit reports all 3 bureaus reporting both, but here, only EQ shows both. All 3 have the newer one showing.
I know beggars can't be chosers and I'm very greatful for their help. Should I pursue with getting the newer one off? I'm wondering if I should call her. She said "If you have any questions feel free to call me." Somehow, I'm not feeling very "free".
What would you do?
07-16-2009 04:04 PM
07-16-2009 04:16 PM - edited 07-16-2009 04:17 PM
07-16-2009 04:23 PM
I'm not sure.....I just know "of" it. I've never had to use it.
Read up on it here. You can no longer ask questions, but there is a ton of info
07-16-2009 05:03 PM
07-16-2009 06:55 PM
07-17-2009 03:26 AM
I read that it doesn't work if it was turned over to collections and you paid the CA.
There are a few of my accounts that have been paid but still report my lates. They can report closed accounts for 7.5 years paid or not. Just like credit cards do. I don't know. I don't even understand the HPAA process and I've read it many times. Opt out of my credit cards? What does that even mean? Grrr.
Nevermind. I suppose I'll just get the guts to call her someday and ask her to remove the new one.
07-17-2009 04:28 AM
Opting out means that ccc's cannot share information such as your name, address, ph# etc. They already cannot share SSN & the like.
You can also opt out w the CRA's where they cannot share your info either. Keeps new CA's from getting your address, ph# etc. IF you happen to have any skeletons out there you'd rather keep in the closet!