Sending PFD Letters

[fricnfrac1]

In a nutshell, have some smaller medical collections, between $21 and $150.00 that I want to PIF. These items are from 2005 and up, most recent might

be 2007. (Stevens Business Services).  I live in NH, the SOL is 3 years for these accounts.

The accounts were sent to an outside agency.

I want to make sure I do this correctly.

Send a DV letter.

Wait for response

Then send PFD letter.

I know paying these accounts may not bump my fico up at all, but if I ever need a manual review for something, I suppose the report will look cleaner.

Thanks for any advice.

[mauve]

HIPAA will get them deleted from TU regardless of payment status, with the pre-HIPAA letter.  If you want to pursue that route, you should NOT contact the CA.

[guiness56]

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@mauve wrote:

HIPAA will get them deleted from TU regardless of payment status, with the pre-HIPAA letter.  If you want to pursue that route, you should NOT contact the CA.

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Not an entirely true statement.  Many times the HIPAA process does not work.  It does not hurt to try but it is not an absolute.

[mauve]

It sure feels true when TU deletes things you didn't even include in your pre-HIPAA letter!  Although, yes, I suppose that I can only speak to my experience.  

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guiness56 wrote:

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mauve wrote:

HIPAA will get them deleted from TU regardless of payment status, with the pre-HIPAA letter.  If you want to pursue that route, you should NOT contact the CA.

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Not an entirely true statement.  Many times the HIPAA process does not work.  It does not hurt to try but it is not an absolute.

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