Valued Contributor
Posts: 2,669
Registered: ‎04-25-2011
Re: Outlined HIPAA Process?

FrugalRican wrote:

I have a co-worker who is trying to get a consolidation loan to get all her credit cards to 0, get rid of her ghastly interest payments on those cards and just funnel everything into one monthly payment.


Unfortunately, she had a medical collection pop up on her account last year.

She thought she had gotten the OC to agree to delete. They didn't, they just switched to "Paid as Agreed in Full" (or whatever they label it as).


I don't know too much about the HIPAA process, and I've tried using the search function within the forums to find a specific post that maybe has the steps to it.


Can anyone provide a link or basic information on what she should do next?
It's her only collection left on her report and she wants to get this taken off. Is this possible through the HIPAA process?

I have no experience with this at all, so any help, links, info, outlines are greatly appreciated.

Discussing the HIPAA process on the forum in any great detail violate the Terms and Services of the forum, which is why the details are iffy on this forum.


There are people on here who have the information, and they will probably PM you the informaiton



Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX