10-07-2012 08:49 PM
If disputed, isn't the CRA supposed to verify with the OC?
Should I handwrite the HIPPAA letter & send CMRRR?
Still very new to this "clean-up" process.
10-07-2012 09:06 PM
Most of them are updated on tape by the eOscar. It actually doesn't take much to update. They merely have to say, yes, it's valid and it's done. I'm not sure about the HIPPA process, I've never used it myself.
10-08-2012 05:02 AM
When you dispute through a CRA, the ultimate decision on the dispute is not made by the furnisher of the disputed information. That decision is conferred upon the CRA, who must assemble all relevant information, and then, under their reinvestigation of the information, make the decision.
As part of that reinvestigation, yes, the CRA is required to send a copy of your dispute (sanitized with their e-Oscar process) to the party who reported the disputed information. That furnisher is then required to conduct their investigation, and report back to the CRA. The results of the furnisher's investigation are usually the only substantive information that the CRA has to make its determination, so for practical purposes, the furnisher's results usually are rubber-stamped by the CRA.
If your dispute relates to issues other than the specific accuracy of their reporting, such as building a case under the so-called HIPAA process, how much CRA independent determination is exercised depends upon exactly what you are disputing. If they can verify from their own records, the furnisher response may not be their major factor.
What, exactly, was the basis for your dispute? Just saying you disputed does not clarify how much verification they need from the OC.
10-08-2012 05:08 AM - edited 10-08-2012 05:13 AM
The problem is the OC (hospital) has closed and has been sold...twice.
I feel this was an error in insurance filing & would like proof that the debt is owed.
I really am just trying to figure out the best way to get it off my DH report. The CA has made no attempt to collect at all.
There are two accounts & one is due to fall off 1/2014.
Thanks for the replies.
Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.