I had a medical bill that was supposed to be paid by my military insurance (Tricare). A little over year after the bill was incurred (Aug 2007), I figured out Tricare was just NEVER going to pay it, so I did (Feb 2009). At that point, it was at a collector, so I just paid them (the creditor).
Now, my credit report shows the collection (Agency), and that the debt was paid.
My questions:
(1) do I still have any options to ge this removed from my credit report under the HIPPA laws, even though I paid the Collection Agency, not the creditor?
(1.5) or do I only have the 'dispute' and hope they don't write back option?
(2) will I get a second chance if I just make payment directly to the medical office? (essentially, pay the debt twice) ?
(3) I've seen many posts on the first 3 basic steps for the HIPPA process, but I can't find an active link the the pre-hippa dispute letter..... can anyone help me find an active link please???
Thanks
