Rebuilding Your Credit

[fuzzybean]

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RGT wrote:

Ah, thank you.  You prefer this process and it is quicker?  How do I go about it?   I have two medical issues, very small (under $100), on an flawless credit record.  Actually, I didn't even know they were there until i  was applying for a car loan.  I would appreciate any advice that you can offer.  

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How old are the medical collections?  Are they beyond the statute of limitations in your state?  Which credit reporting agencies are they showing on?

[Shogun]

Hello and welcome to the forums.  Below are a couple of links that will help familiarize yourself with the process.  Good Luck!

http://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/td-p/88458

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-Steps-Do-I-Take-Do-I-DV-PFD/td-p/337142

[RGT]

The issues are from 11/2011 and 02/2010, so fairly recent.  Both are and have been paid.  

They are showing up on Experian.

I do not know the limitations.  One was from MI and the other from FL.  

[fuzzybean]

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RGT wrote:

The issues are from 11/2011 and 02/2010, so fairly recent.  Both are and have been paid.  

They are showing up on Experian.

I do not know the limitations.  One was from MI and the other from FL.  

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Have you tried disputing it as paid on Experian?  It may or may not work but it's quick and easy to try.

I'd start with sending them a good will letter asking them to remove it.  If that doesn't work, try HIPPA.

[RGT]

Can you tell me about PFD?   Where do I find out how to do this?  Does it work?

[kazmax]

Can someone please tell me where can I find a sample copy of a HIPPA letter to send to a doctor who have violated my rights sending the collection agency my bill with the service provided.

[guiness56]

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kazmax wrote:

Can someone please tell me where can I find a sample copy of a HIPPA letter to send to a doctor who have violated my rights sending the collection agency my bill with the service provided.

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That is not a violation of HIPAA.  A 3rd party CA is a covered entity and the doctor can send it to them.  The CA can only send it to you and no one else.