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Frequent Contributor
bigtim
Posts: 356
Registered: ‎06-06-2009

Re: Outlined HIPAA Process?


RebuildingForTheFuture wrote:

If HIPPA is not a valid means of disputing a medical collection that has been PIF, what is?


There is no such thing as a "valid" dispute of a medical collection that has been paid in full. What is the dispute? That you PIF and you claim the false HIPAA? Invalid dispute...

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Member
RebuildingForTheFuture
Posts: 14
Registered: ‎06-13-2012

Re: Outlined HIPAA Process?

I see... thank you.  It was supposed to be a PFD and I did this BEFORE I had ever even stumbled onto the myFico website and community (I was a truecredit.com user) and put my good faith that they would since they agreed verbally they would.  My mistake.  Before I realized that the CA  could legally do this, I disputed w/ EX and they validated and updated to a paid status, but when they did, it took off the estimated month/year that it would drop from my CBR.  Does this mean it will take longer to fall off now?  Looks like I'll be playing the waiting game...

Established Contributor
2NE1
Posts: 979
Registered: ‎12-06-2011

Re: Outlined HIPAA Process?


onquestfor700s wrote:

Can you please PM me the information as well? I would so greatly appreciate it :smileyhappy:


PM sent! :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
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Moderator
LIGHTNIN
Posts: 4,041
Registered: ‎03-24-2008

Re: Outlined HIPAA Process?


2NE1 wrote:
HIPAA only works if you've paid the OC not the CA. If you decided to pay the CA then you should've offered a PFD. If you did offer and they 'verbally' agreed to and haven't removed it then your only option is to GW the CA for removal. You can't dispute a PAID medical collection (to the CA) with the CRAs and expect to be removed. That's not how the HIPAA process works.

Hi 2NE1,  That was true, but now I believe there's is a way the HIPAA process works for paid CA. I truly dont totally understand, how the HIPAA process works.

So 2NE1, I'll send to a PM so we can try to figure this out,OK?

FICO's Oct 2013 TU711 EQ713 EX723~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
New Contributor
TM0312
Posts: 55
Registered: ‎06-14-2012

Re: Outlined HIPAA Process?

Can you please send me the info as well? I have 2 accounts I need to work on. Thanks!


Starting Score: EQ 546 EX 560 TU 568
Current Score: EQ 703 EX 718 TU 715
Goal Score: 750


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Moderator
LIGHTNIN
Posts: 4,041
Registered: ‎03-24-2008

Re: Outlined HIPAA Process?


TM0312 wrote:

Can you please send me the info as well? I have 2 accounts I need to work on. Thanks!


Since I don't understand the HIPAA process completely, I would like to see what 2NE1 think first.

 2NE1 understands it better then I do, I would like to get his/her thoughts about this first.

I know that's not what you wanted to hear,but I just don't want to give out the wrong info.

I would just like to do, some research about this first.

FICO's Oct 2013 TU711 EQ713 EX723~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Member
huntforfun
Posts: 8
Registered: ‎05-04-2012

Re: Outlined HIPAA Process?

Can you please send that to me as well. I dont know how Hippa works and can medical collections that were included in a bankruptcy be removed? Any help would be greatly appreciated.


Starting Score: 580
Current Score: 663
Goal Score: 750


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Established Contributor
compassion101
Posts: 560
Registered: ‎06-06-2012

Re: Outlined HIPAA Process?


2NE1 wrote:

onquestfor700s wrote:

Can you please PM me the information as well? I would so greatly appreciate it :smileyhappy:


PM sent! :smileyhappy:



Can you PM me too please, I would be grateful. I found info on another site but it is a bit confusing as written

Established Contributor
2NE1
Posts: 979
Registered: ‎12-06-2011

Re: Outlined HIPAA Process?


LIGHTNIN wrote:

Hi 2NE1,  That was true, but now I believe there's is a way the HIPAA process works for paid CA. I truly dont totally understand, how the HIPAA process works.

So 2NE1, I'll send to a PM so we can try to figure this out,OK?


From my understanding "after you have paid the OC in FULL and if the CA still does not remove/delete your medical bill off your report" you send that special alternate medical DV letter to the CA. Sometimes once you pay the OC, the CA will reflect it as "Paid" on their end and make it look like you paid the CA instead.


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
Established Contributor
2NE1
Posts: 979
Registered: ‎12-06-2011

Re: Outlined HIPAA Process?

everyone above please 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

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