Reply
Regular Contributor
Posts: 115
Registered: ‎03-13-2008
0

should I wait to send prehipaa letter?

I have a CA listed on my EX report for a hospital bill for my son.  I contacted the local hospital and the person I spoke with agreed to accept payment and delete  (no I did not get it in writing...she was very matter of fact that they delete all accounts once paid)    I sent the payment to her, she forwarded it to their billing department and the check cleared my bank 6/25/08.  So far the CA is still listed and shows the same balance, they have not been updated yet.   So I called and spoke with the same person and asked her if she knew about how long it would take.  She said it could take up to 4 months.  :smileysad:
 
Ofcourse I do not want to wait this long.   So my question is should I send the first prehippa letter to EX or give it a little more time to see what happens?
 
Thanks in advance.
Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
0

Re: should I wait to send prehipaa letter?

[ Edited ]
I don't see why it should take 4 months.
 
Has the CA sent the update to the CRA to have it deleted? If so, then you are just waiting on the CRA, they can be slow sometimes.
 
It shouldn't take the CA 4 months to send the update.
 
IMO, go ahead and send the pre-hipaa.
 
 
Edited to Add-- Has the CA updated since you've paid? Updated to paid or just updated at all?


Message Edited by sidewinder on 08-11-2008 05:57 AM
-----------------------------------------------------------------------------------------------------
Free Annual Reports, Freq. Requested Threads, 5 Things We Don't Talk About, Common Abbreviations, Where do I start?, State Resources
Regular Contributor
Posts: 115
Registered: ‎03-13-2008
0

Re: should I wait to send prehipaa letter?

Thanks sidewinder.    No, so far the CA hasn't updated at all.  It still shows the same balance, last reported November 2006.  I have not been in contact with the CA at all so I don't know if they have sent anything to the CRA.  I just don't see why it should take 4 months.  If the OC is going to take the acct from the CA that's great but 4 months will kill me:smileywink:    I just wonder if the CRA actually contacts the OC instead of the CA like hipaa states.
 
Thanks again.
Regular Contributor
Posts: 115
Registered: ‎03-13-2008
0

Re: should I wait to send prehipaa letter?

I think I may wait a couple of more weeks to see if there is any change.  If not then I will send the first prehippa letter.
Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
0

Re: should I wait to send prehipaa letter?

send the pre-HIPAA dispute letter CMRRR now, there's no reason to wait
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Established Contributor
Posts: 610
Registered: ‎08-01-2008
0

Re: should I wait to send prehipaa letter?

I agree, send the Pre-HIPAA now... 30 process, might as well start now.
08/01/2008 - 472 EQ; 523 TU; 454 EX
03/01/2009 - 574 EQ
08/08/2009 - 648 EQ
01/27/2010 - 671 EQ
07/04/2010 - 713 EQ
01/05/2011 - 730 EQ
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.