Two questions on a medical collection

[nycfico]

I had a medical collection.  It was first reported as late with the original doctor In October, 2010 and was sent to a collection agency in January, 2011.  I paid it in May of 2011, so it's now 3.5 years old.

I've read the HIPAA process...and I believe I'm out of luck with trying that since I paid the collection agency and didn't bypass them and pay the OC...is that correct?

Secondly, how much of an impact is this really having on my score at this point?  I know it will stay on my report for another 3.5 years, but my scores are all between 605 and 614, and my major issue is a tax lien and a couple of chargeoffs.  is it worth trying to find some other way to get it deleted, assuming I can't do the HIPAA process?

[gdale6]

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@nycfico wrote:

I had a medical collection.  It was first reported as late with the original doctor In October, 2010 and was sent to a collection agency in January, 2011.  I paid it in May of 2011, so it's now 3.5 years old.

I've read the HIPAA process...and I believe I'm out of luck with trying that since I paid the collection agency and didn't bypass them and pay the OC...is that correct?

Secondly, how much of an impact is this really having on my score at this point?  I know it will stay on my report for another 3.5 years, but my scores are all between 605 and 614, and my major issue is a tax lien and a couple of chargeoffs.  is it worth trying to find some other way to get it deleted, assuming I can't do the HIPAA process?

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All I can tell you is contact the creator of the HIPAA Process for help. We cannot discuss it on this board.

[2NE1]

Since you've already paid the collection, why don't you send GW letters to the CA and see if they can grant the removal?

[nycfico]

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@2NE1 wrote:

Since you've already paid the collection, why don't you send GW letters to the CA and see if they can grant the removal?

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Will a collection agency do that?  I thought only the original creditor would....what's in it for a CA to do a goodwill?

[fishbjc]

Research HIPPA, nothing to do with who you paid. 

[2NE1]

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@nycfico wrote:

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@2NE1 wrote:

Since you've already paid the collection, why don't you send GW letters to the CA and see if they can grant the removal?

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Will a collection agency do that?  I thought only the original creditor would....what's in it for a CA to do a goodwill?

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I believe some peeps had success getting CAs to remove medical collections via GW, you'll  never know until you try!