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HIPPA success!!!

Regular Contributor

HIPPA success!!!

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 18
17 REPLIES
Valued Contributor

Re: HIPPA success!!!

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 | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 2 of 18
Established Contributor

Re: HIPPA success!!!

Can someone please pm me this pre-hipaa letter?

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
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 18
Moderator Emeritus

Re: HIPPA success!!!


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 18
Regular Contributor

Re: HIPPA success!!!


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 18
Valued Contributor

Re: HIPPA success!!!

post back the results

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 6 of 18
Regular Contributor

Re: HIPPA success!!!


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 18
New Member

Re: HIPPA success!!!

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

Message 8 of 18
Frequent Contributor

Re: HIPPA success!!!

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 18
Established Member

Re: HIPPA success!!!

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


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


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Message 10 of 18