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New Contributor
dchrist475
Posts: 73
Registered: ‎09-09-2010
0

HIPAA

[ Edited ]

Just sent out my pre-hipaa letter to Transunion CRA for a medical collection in Colorado. So hopefully I will have some luck! I have another 2 PFD letters mailed out about 2 weeks ago.

 

Just wanted any advice or comments on any expectations I should have.

 

Thanks!


Starting Score: 469
Current Score: EQ 661
Goal Score: 720


Moderator Emeritus
fused
Posts: 16,373
Registered: ‎03-12-2007
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Re: HIPAA

You mean you sent the pre-HIPAA dispute letter to the CRA's, right? Pre-HIPAA letters are "always" sent to the CRA's. The other two collections that you're trying to PFD, they're not med collections, right?

Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

New Contributor
dchrist475
Posts: 73
Registered: ‎09-09-2010
0

Re: HIPAA

[ Edited ]

Right, sorry. i mis-spoke. But I sent it to the CRAs.

 

I will edit now. :smileywink:

 

The other two are not medical collections. So I did pfds.


Starting Score: 469
Current Score: EQ 661
Goal Score: 720


Moderator Emeritus
fused
Posts: 16,373
Registered: ‎03-12-2007
0

Re: HIPAA

Ok, thanks for clarifying that. You'll have to wait until the CRA's finish their investigations. Also, there is a chance the CA might validate the med collection as a result of your dispute with the CRA's, but don't count on it. The investigations can take up to 30 days, so hang in there.

Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1


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