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.

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Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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