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how the hell do i get these deleted!!

Frequent Contributor

how the hell do i get these deleted!!

The med accounts that are IIB on experian!?!? CMRE reports! So impossible!!!

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
6 REPLIES
Regular Contributor

Re: how the hell do i get these deleted!!

Research HIPAA process, and follow it to a TEE. It is very important to follow it exactly. 


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 674 TU 679 Ex 686 EX
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Frequent Contributor

Re: how the hell do i get these deleted!!

I really need some help from some Vets. CMRE wont budge, I owed about 11k in medical debt. What do you think I should do? Is 13 accounts IIB affecting me a whole lot? Should I just let it be?

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Established Contributor

Re: how the hell do i get these deleted!!

google whycat + hipaa process

Follow it to a T.  We cant tell you anything more than this due to forum rules. Search it, read it, follow it.

 

 

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Myfico 8 scores
7/31/16 TU 710 ~ EQ 699~ Ex 705
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Established Contributor

Re: how the hell do i get these deleted!!

I agree you must have to follow the HIPPA process.  However if the medical bill is less than a year old.  I would challenge the amount.  There is a time frame to challenge bills like this.  This is what I did.  I asked the hospital  that tried to send it to the collection agency for an itemized bill.  Have a medical advocate or medical billing specialist to go over the bill. If any errors, send the  hospital a certified letter stating which errors are on your bill.  Then I would report to the FTC, and BBB for that state.   Majority of it always end in billing errors and most of the time hospitals just want you off their back because of potential lawsuits.  Half of my bill was billing errors, I still ain't heard from the BBB nor the hospital back in regards to my case.  I was not playing.


Starting Score: 565
Current Experian Score: 634 (Lender pull)
Current Equifax Score: previous 668, 680 as of 11/12/13 lender pull
Current Transunion Score: previous 675,677 as of 09/23/13
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Established Contributor

Re: how the hell do i get these deleted!!

case in point, its not on none of my credit reports.  Healthcare industry is the biggest scammer of them all because most consumers don't request itemized bill statement, they just think the insurance pays a certain percentage and they have to pay what is left over.  The bill statement that hospitals/medical practitioners send is vague. Have to watch them closely.


Starting Score: 565
Current Experian Score: 634 (Lender pull)
Current Equifax Score: previous 668, 680 as of 11/12/13 lender pull
Current Transunion Score: previous 675,677 as of 09/23/13
Goal Score: 750

Take the FICO Fitness Challenge



Frequent Contributor

Re: how the hell do i get these deleted!!

I really am lost in what to do. I just hope to figure out the effects of IIB accounts.

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.