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Hi everyone!
Most of my baddies are collection accounts from medical bills....everything I read says to use HIPPA process/letter/etc, but I am unable to locate any details on this. I've googled it like some suggestions write, but only find that it refers to the fact that the collection agency cannot place anything regarding your health on your credit report, but still affects credit like any other collection acct.
At any rate, please help...I have 24 collection accounts, 19 of which are medical. The oldest falls off Nov 2015, newest falls off Mar 2019.
Any help whatsoever would be so much appreciated....I plan to probably start tackling them with PFD letters but want to first make sure I get the best advice possible.
I personally never used that method, but I do know that it cannot be discused on this board.
If the collection agency is willing to delete the collection I would just pay them and move forward with that. Send off DVs for these debts owed and then you can start to offer PFD, I like to start with the smallest first.
Good luck.
HIPAA steps are in your inbox! Good luck!
I have gone down the rabbit hole of myFICO the last 3 weeks (apparently almost 24 hours according to my stats) reading, reading, reading and a small amount of posting. I have seen that HIPPA isn't allowed to be discussed on a bunch of messages, but never why. Just curious if anyone can answer, but not sure if that is allowed to be discussed either...
@stepstep wrote:I have gone down the rabbit hole of myFICO the last 3 weeks (apparently almost 24 hours according to my stats) reading, reading, reading and a small amount of posting. I have seen that HIPPA isn't allowed to be discussed on a bunch of messages, but never why. Just curious if anyone can answer, but not sure if that is allowed to be discussed either...
This may explain things...
Starting Score: EQ 478 | EX N/A | TU 540 - 5/2014 Current Score: EQ 475 | EX 582 | TU 589 Goal Score: 700 by 5/2015 - My Credit Rebuilding Journey! | Collections (MED): DCS Financial (4) | Columbia Collectors (1) | Dynamic Collectors, Inc (2) | Professional Credit Services (2) | CMRE Financial Services (1) | Total: 10 Charge-offs: | Cards I'm aiming to get: |
I don't know anything about this process, though I swear I've seen moderators ask people to not discuss it here.
My contribution to this thread is to simply state that if you're using HIPAA in a letter to spell it correctly so you appear to fully understand what you're talking about- (Two As and One P, not Two Ps and One A). I hope that doesn't sound snarky, but rather I don't want the OP to be dismissed by whomever they are writing to.
HIPAA- Health Insurance Portability and Accountability Act