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OSI- DV results

Established Contributor

OSI- DV results

They sent me a billing statement from the hospital for my husband but nothing eles in the DV letter... Do I send another letter? I would really like to settle the account with a PFD so I dont know if I want to get them all rield up b/c then they might not give me an option to settle and get it deleted right?
The original bill was 1300 now its 1500 from 2004 what would be fair to offer up? I dont have the full amount.
6/9/08 FICO TU 697 EX698 EQ 618uti 6% (once new accounts hit) BIZ- DUNS 80, EX 35
GOAL 2008- 700s+ new car
2010 BE a first time buyer
Message 1 of 4
3 REPLIES
Established Contributor

Re: OSI- DV results

bumping this for some feed back as this is my next issue at hand for the day.... I have to do something on DH credit since I sent something for mine... men!
6/9/08 FICO TU 697 EX698 EQ 618uti 6% (once new accounts hit) BIZ- DUNS 80, EX 35
GOAL 2008- 700s+ new car
2010 BE a first time buyer
Message 2 of 4
Moderator Emeritus

Re: OSI- DV results

Do not do anything with the CA 
Do a search for the "HIPAA letter".
 
To protect your rights under HIPAA, you should not write or correspond with a Collection Agency regarding a medical collection account within SOL.
This process is not applicable if the account is valid and you are unable to pay.  The medical claim must either be paid, inaccurate, or you are prepared to remit the valid correct amount due with the HIPAA letter.
The Pre-HIPAA letter is sent to the CRA to dispute medical collection accounts on your CR that are within SOL and are:  paid, valid but unpaid, "not mine" or inaccurate.
  1. Dispute a paid medical collection directly with the CRA and they should delete.  If not deleted, but verified, send HIPAA letter (Whychat's process - insert b). 
  2. Dispute valid but unpaid medical collections because you need the CRA to verify the balance.  There may be no valid balance due and the CRA will delete.  Only after the CRA has verified and you agree that the amount is correct is the HIPAA letter sent with payment (Whychat's process - insert a).  The payment amount should be the same amount as was verified by the CRA and on your CR.
  3. If the medical collection account is "not mine" or inaccurate, you need to have disputed the medical collection listing with the CRA.  Only after the CRA verifies and does not delete an invalid or inaccurate medical collection do you send the HIPAA letter (Whychat's process - insert a or b).
Message 3 of 4
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Established Contributor

Re: OSI- DV results

Oh  Im so confused with all of that... Im going to have to read that adter the kids go to bed...
6/9/08 FICO TU 697 EX698 EQ 618uti 6% (once new accounts hit) BIZ- DUNS 80, EX 35
GOAL 2008- 700s+ new car
2010 BE a first time buyer
Message 4 of 4