Rebuilding Your Credit

turn on suggestions Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Reply
Topic Options
Regular Contributor
Yoli14
Posts: 160
Registered: ‎01-03-2012

HIPPA success!!!

Options

‎04-13-2012 04:20 PM

TU deleted 5 medical collections with the pre-hippa and I didn't have to pay them! Next is EX and EQ!!! Thank you guys!
Myfico on 02/21/12
Trans: 538 EQ: 591 Ex???
Myfico on 10/09/12
Trans: 600 EQ 602 EX???
Lender Pull 04/15/13
Trans 680, EQ 644, Ex 608
"I'm not telling you it is going to be easy, I'm telling you it's going to be worth it"
Message 1 of 15 (1,108 Views)
 
Reply
Valued Contributor
rootpooty
Posts: 1,611
Registered: ‎10-28-2011

Re: HIPPA success!!!

Options

‎04-14-2012 10:41 PM

samething happened with me. i had multiple medical collections on transunion and one on equifax. they deleted with the pre hippa letter. i have 3 accounts on experian also but experian pretty much told me to take a hike! could you pm me what letter you are using and let me know if you go through with the letter to experian and the results. thanks

NFCU plat 5k | NFCU cashrewards 3k | Chase Freedom 1.5k |
BOA 123 1k | Amazon 1600 | Walmart 900

On the prowl for Chase Sapphire Preferred!
Message 2 of 15 (1,070 Views)
 
Reply
Established Contributor
jordanmedical
Posts: 998
Registered: ‎04-08-2012

Re: HIPPA success!!!

Options

‎04-15-2012 02:31 AM

Can someone please pm me this pre-hipaa letter?

-Rebuilding with Cap1 Secured: 300, CapOne Cash: $1k, NFCU Secured: 500, NFCU cashRewards $8.5K, NavCheck $2.5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.5K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700
Take the FICO Fitness Challenge

Message 3 of 15 (1,058 Views)
 
Reply
Moderator Emeritus
fused
Posts: 16,158
Registered: ‎03-12-2007

Re: HIPPA success!!!

Options

‎04-15-2012 01:33 PM

Yoli14 wrote:
TU deleted 5 medical collections with the pre-hippa and I didn't have to pay them! Next is EX and EQ!!! Thank you guys!

Congrats on the deletions! Just so you know, when it comes to med collections, TU is almost always the first CRA to give in. EX is almost always the hardest to get deletions, and EQ usually falls somewhere in between.

Message 4 of 15 (1,031 Views)
 
Reply
Regular Contributor
Yoli14
Posts: 160
Registered: ‎01-03-2012

Re: HIPPA success!!!

Options

‎04-15-2012 06:41 PM

fused wrote:
Yoli14 wrote:
TU deleted 5 medical collections with the pre-hippa and I didn't have to pay them! Next is EX and EQ!!! Thank you guys!

Congrats on the deletions! Just so you know, when it comes to med collections, TU is almost always the first CRA to give in. EX is almost always the hardest to get deletions, and EQ usually falls somewhere in between.

That's what I hear, hopefully they delete.
Myfico on 02/21/12
Trans: 538 EQ: 591 Ex???
Myfico on 10/09/12
Trans: 600 EQ 602 EX???
Lender Pull 04/15/13
Trans 680, EQ 644, Ex 608
"I'm not telling you it is going to be easy, I'm telling you it's going to be worth it"
Message 5 of 15 (1,013 Views)
 
Reply
Valued Contributor
rootpooty
Posts: 1,611
Registered: ‎10-28-2011

Re: HIPPA success!!!

Options

‎04-15-2012 07:04 PM

post back the results

NFCU plat 5k | NFCU cashrewards 3k | Chase Freedom 1.5k |
BOA 123 1k | Amazon 1600 | Walmart 900

On the prowl for Chase Sapphire Preferred!
Message 6 of 15 (1,004 Views)
 
Reply
Regular Contributor
Yoli14
Posts: 160
Registered: ‎01-03-2012

Re: HIPPA success!!!

Options

‎04-15-2012 07:35 PM

rootpooty wrote:

post back the results

Will do!
Myfico on 02/21/12
Trans: 538 EQ: 591 Ex???
Myfico on 10/09/12
Trans: 600 EQ 602 EX???
Lender Pull 04/15/13
Trans 680, EQ 644, Ex 608
"I'm not telling you it is going to be easy, I'm telling you it's going to be worth it"
Message 7 of 15 (993 Views)
 
Reply
Stefaniemstr
New Member
Stefaniemstr
Posts: 9
Registered: ‎04-10-2012

Re: HIPPA success!!!

Options

‎04-16-2012 02:28 PM

can someone please message me about the hippa guidelines in terms of medical bills.  I am really confused!

Message 8 of 15 (949 Views)
 
Reply
Frequent Contributor
AvaMommy
Posts: 297
Registered: ‎08-08-2012

Re: HIPPA success!!!

Options

‎08-30-2012 12:38 PM

Can someone PM me the letter they used for a Pre Hippa letter. Have 1 medical collection on my report

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Message 9 of 15 (576 Views)
 
Reply
Established Member
sok454
Posts: 53
Registered: ‎06-06-2012

Re: HIPPA success!!!

Options

‎08-30-2012 01:43 PM

I'd like to see this HIPPA letter as well.

Starting Score: 596
Current Score: 646
Goal Score: 720+

Take the FICO Fitness Challenge

Message 10 of 15 (566 Views)
 
Reply

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
www.myfico.com is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+