Rebuilding Your Credit

[shorrttyycm1]

Hi Everyone,

So here is my problem.  I filed Chptr 7 last year (medical) and have been doing damage control and trying to rebuild my shattered credit.  I have had ZERO luck with disputing this item:

Collection on debt to:

Med1 02 ***** Hospital

The collection agency "Amer Adj Bur" was hired to collect a debt of $317 originally owed to "Med1 02 ******Hospital" on account number "XXXXXXX".

Collection agency [?] Original balance [?] Current balance [?] Date assigned [?] Original lender [?] Account number [?] Account holder [?] Account descriptions [?]

Amer Adj Bur

$317

$0

Feb 01, 2007

Med1 02 ***** Hospital

XXXXXXX

Individual

Chapter 7 bankruptcy

Help, any ideas on how I should approach this?  Is this hurting my score alot as it is the ONLY collection listed and was from 2007.  Should I leave it alone or would it be worth it to try???  HELP PLEASE!

THANKS IN ADVANCE EVERYONE!!

[shorrttyycm1]

ANYONE???   

[bruiseviolet]

Try "hipaa method"  you have to google it.  

[shorrttyycm1]

THANKS...I will google it...so frustrating!  I hear that they are VERY rude and hard to deal with

[bruiseviolet]

that's the beauty of HIPAA process-  you don't have to deal with them =P

[shorrttyycm1]

:-)  Great!  I just pulled my report and it says that it is due to fall off in September of 2013.  Does this mean that it is not hurting me alot?  I am so afraid to make it worse, like they might update or something, that I tend to not make a move either way

[lovinlifeinkc]

I would doubt anything this old is having much of an impact on your score- however using the HIPPA method to have it removed surely wont hurt.   Good luck.  Let us know.

[lovinlifeinkc]

Or, since it's so old, they may be willing to settle for almost nothing.   How about a pay for delete?  I'd offer about 25%.  At this point they dont have much to lose.

[RobertEG]

I noticed a little blurb at the bottom of the CR that stated Chaper 7 Bankruptcy.

Was this debt discharged in a personal BK?  If so, it does not appear to have actually been paid.

I dont know how the HIPAA process is used when the OC was never paid..... but most likely the same, since there would no longer be a permissible collection pupose.

Maybe some HIPAA experts can shed some light.........

[Booner72]

DH's credit score (EQ FICO) just went up FORTY POINTS  (YES 40!!) for getting his last collection removed........We are very excited, tho still has BK til 2015....:*(.........

I think if you can get rid of this, have you tried to GOODWILL IT?  I'm not sure disputing is going to get you anywhere if it is reporting correctly. 

Goodluck!