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Blogger
Posts: 2,876
Registered: ‎02-02-2012
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Outlined HIPAA Process?

I have a co-worker who is trying to get a consolidation loan to get all her credit cards to 0, get rid of her ghastly interest payments on those cards and just funnel everything into one monthly payment.

 

Unfortunately, she had a medical collection pop up on her account last year.

She thought she had gotten the OC to agree to delete. They didn't, they just switched to "Paid as Agreed in Full" (or whatever they label it as).

 

I don't know too much about the HIPAA process, and I've tried using the search function within the forums to find a specific post that maybe has the steps to it.

 

Can anyone provide a link or basic information on what she should do next?
It's her only collection left on her report and she wants to get this taken off. Is this possible through the HIPAA process?

I have no experience with this at all, so any help, links, info, outlines are greatly appreciated.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

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Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
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Re: Outlined HIPAA Process?


FrugalRican wrote:

I have a co-worker who is trying to get a consolidation loan to get all her credit cards to 0, get rid of her ghastly interest payments on those cards and just funnel everything into one monthly payment.

 

Unfortunately, she had a medical collection pop up on her account last year.

She thought she had gotten the OC to agree to delete. They didn't, they just switched to "Paid as Agreed in Full" (or whatever they label it as).

 

I don't know too much about the HIPAA process, and I've tried using the search function within the forums to find a specific post that maybe has the steps to it.

 

Can anyone provide a link or basic information on what she should do next?
It's her only collection left on her report and she wants to get this taken off. Is this possible through the HIPAA process?

I have no experience with this at all, so any help, links, info, outlines are greatly appreciated.



Discussing the HIPAA process on the forum in any great detail violate the Terms and Services of the forum, which is why the details are iffy on this forum.

 

There are people on here who have the information, and they will probably PM you the informaiton

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Blogger
Posts: 2,876
Registered: ‎02-02-2012
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Re: Outlined HIPAA Process?

Ahh, gotcha, I had no idea about that. Goes to show how "in the dark" I am about the whole process.

If anyone would like to PM me details, go for it, I definitely wouldn't want to violate any T&S on the forum.

 

Thanks for letting me know, Scott!

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Moderator
Posts: 16,258
Registered: ‎07-14-2009
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Re: Outlined HIPAA Process?


FrugalRican wrote:

Ahh, gotcha, I had no idea about that. Goes to show how "in the dark" I am about the whole process.

If anyone would like to PM me details, go for it, I definitely wouldn't want to violate any T&S on the forum.

 

Thanks for letting me know, Scott!


It's a legal concern why specific details can't be discussed here and I can't really go any farther about it. There is information out on the internet about this if you want to start searching.

Established Contributor
Posts: 1,002
Registered: ‎12-06-2011
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Re: Outlined HIPAA Process?


FrugalRican wrote:

I have a co-worker who is trying to get a consolidation loan to get all her credit cards to 0, get rid of her ghastly interest payments on those cards and just funnel everything into one monthly payment.

 

Unfortunately, she had a medical collection pop up on her account last year.

She thought she had gotten the OC to agree to delete. They didn't, they just switched to "Paid as Agreed in Full" (or whatever they label it as).

 

I don't know too much about the HIPAA process, and I've tried using the search function within the forums to find a specific post that maybe has the steps to it.

 

Can anyone provide a link or basic information on what she should do next?
It's her only collection left on her report and she wants to get this taken off. Is this possible through the HIPAA process?

I have no experience with this at all, so any help, links, info, outlines are greatly appreciated.


I'm a HIPAA expert! :smileywink: I got 7 unpaid collections deleted off my three reports! check your inbox for more info! :smileyhappy:

 


Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
Regular Contributor
Posts: 149
Registered: ‎04-29-2012
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Re: Outlined HIPAA Process?

Could you pm me the info? I have a medical collection I would like to take care of. Thanks
Frequent Contributor
Posts: 293
Registered: ‎01-12-2012
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Re: Outlined HIPAA Process?

I would like that information as well please.
Equifax my fico 629
Transunion my fico 669
Experian fako 663
Epic Contributor
Posts: 20,189
Registered: ‎03-19-2007
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Re: Outlined HIPAA Process?

The HIPAA process is based on a legal interpretation of the statute, not an explicit provision of statute.

The basic underpinning of the process is an argument that, while medical information can permissibly be retained by parties collecting on a medical debt, once the debt is paid, that permissible purpose is gone, and thus requires deletion of any such retained information.

It is not discussed because it is not an explicit provision of statute, and thus is a legal interpretation reserved for members of the bar.

If and when case law affirms the legal validity of the underpinning assumption, there should be no reason to not discuss openly.  But precedential case law does not currently exist.

Established Contributor
Posts: 1,002
Registered: ‎12-06-2011
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Re: Outlined HIPAA Process?

[ Edited ]

 

Messages sent! pls check your inbox! :smileyhappy:


Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
Frequent Contributor
Posts: 367
Registered: ‎09-01-2008
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Re: Outlined HIPAA Process?

Could you PM me, as well?
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