Frequent Contributor
Posts: 311
Registered: ‎07-08-2012

HIPAA Process Worked!? Collection Gone - For Good?

I had an unpaid $25 medical collection that was reporting on Equifax only, from 2008. It was the only collection on any of my reports, and it was tanking my EQ score. I tried negotiating a PFD with the collection agency, and they refused. I talked to the OC, who wouldn't pull the account back from the collection agency and just let me pay them directly. I got really irritated that no one would work with me over $25, so after some Googling, I used the HIPAA process.


I sent the initial letter to the OC on 8/14/12, and the follow-up letter to the OC and CRA on 8/30/12. I've had no communication from anyone (CA, OC or CRA) on this account, aside from one missed phone call from the collection agency on 8/28/12, and they didn't leave a message. I've been checking my reports daily, and there was no change, until today. The account is gone!


I'm thrilled, but also slightly paranoid. I know that once something is removed by a CRA, they have to notify you if they re-insert it. I have no idea who removed it though, the CA or CRA. Equifax is showing online that I have a dispute "pending", but there is no further information given. I guess they probably removed it?


My concern is that it could just show back up as a paid collection. But I would think that if that was going tohappen, it would just update to paid, right? What if the CRA removed it, and then the CA later tries to update it as paid, could it still be re-inserted then?  


My FAKO score jumped 40+ points today. I'm still waiting on a ScoreWatch update to see the real effect on my FICO score. I really hope that this is finally gone for good!

07/29/12: EX FICO (Amex) 684 | EQ MyFICO 631 | TU Walmart 695
Current: EX FICO (MyFICO) 733 | EQ (MyFICO) 683 | TU (Walmart) 745

First Goal: 700+ across the board - Got it on EX & TU!!!
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012

Re: HIPAA Process Worked!? Collection Gone - For Good?

Can you please PM me a copy of the letter sent as I am going through the same thing

Regular Contributor
Posts: 229
Registered: ‎02-29-2012

Re: HIPAA Process Worked!? Collection Gone - For Good?

Please PM me the letter as well.

2011 starting score 383 pull for Santander, EX 639, EQ 669, TU 651 (lending club pull)
Wallet:ME: 750 Cap One, 5k Quicksilver/rewards, 750 Capital one, Gamestop CC 1150, 2370 FH,! nissan funded lease BYE BYE SANTANDER, Chase Auto Loan 12/16k, VS 1150, BH 1020, Express 1000, Avenue 750, JCrew 800, HSN 1070, Torrid 950,Roamans 800, Jessica London 940, kings direct 800, Buckle 800, OSP 1050, WW 1050, Solutions 800, Blair 750.. baddies: 2 FP CO 08,
DH: 750 Cap One 750 Cap One 750 capital one fh 2000, AU - VS, BH, HSN, QS 5k
Regular Contributor
Posts: 122
Registered: ‎07-23-2012

Re: HIPAA Process Worked!? Collection Gone - For Good?

Could you please PM me  the letter, also? Thanks in advance.

Regular Contributor
Posts: 266
Registered: ‎09-05-2012

Re: HIPAA Process Worked!? Collection Gone - For Good?

If you could PM me I'd appreciate it too !!!



Frequent Contributor
Posts: 305
Registered: ‎08-24-2012

Re: HIPAA Process Worked!? Collection Gone - For Good?

If you google hippa process you can find the letter and the follow up letter spelled out for ya! I started this process last week as well.

Goal Score: 640 Good things come to those who wait.
Good things come to those who work their butt off and never give up.

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