topic Re: Should I pay the OC or the CA? in General Credit Topics

Should I pay the OC or the CA?

Anonymous — Mon, 25 Jun 2007 23:49:01 GMT

for medical collections? Since the PFD didn't work and they did validate should I send the payment to the the medical that provided the services or the CA that is reporting? And if I do pay the OC can I then dispute with the CA that is reporting?

Re: Should I pay the OC or the CA?

Anonymous — Tue, 26 Jun 2007 01:21:42 GMT

If anyone has any advice it would be much appreciated. I intend to pay this within the week.

Re: Should I pay the OC or the CA?

Anonymous — Tue, 26 Jun 2007 01:33:18 GMT

Did you try PFD with the OC?

Re: Should I pay the OC or the CA?

Anonymous — Tue, 26 Jun 2007 03:20:14 GMT

I recently asked what the best way to delete medical collections was. I have also been researching another forum and they really recommend using the Hippa strategy. I have a couple very small collections that I am going to offer a PFD for first to the OC, if they refuse, I will wait a little while and send payment anyway with the Hippa letter.

Re: Should I pay the OC or the CA?

Anonymous — Tue, 26 Jun 2007 05:48:44 GMT

daytona18 wrote:
I recently asked what the best way to delete medical collections was. I have also been researching another forum and they really recommend using the Hippa strategy. I have a couple very small collections that I am going to offer a PFD for first to the OC, if they refuse, I will wait a little while and send payment anyway with the Hippa letter.

If you're referring to the WhyChat letter, read here then discard.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=9599

Re: Should I pay the OC or the CA?

Anonymous — Tue, 26 Jun 2007 11:48:46 GMT

Hmmm, it looks like a lot of people have had luck with Whychat's theory. I've done nothing with medical collections yet, but that is all I have left really. I have one collection that was paid to OC apparently after it was sent to collections, but before I knew. As a matter of fact, I never received any notice from CA at all. It shows as unpaid and has come back verified several times. I was thinking about sending the Hippa letter for paid medical. The small ones I was going to PFD to the OC, but I am afraid they will only report to CA as paid and not delete. I guess I'll can the Hippa idea and take my chances. Thanks....

Re: Should I pay the OC or the CA?

Anonymous — Tue, 26 Jun 2007 13:41:10 GMT

DIV the CA and MOV the CRA's.

daytona18 wrote:
Hmmm, it looks like a lot of people have had luck with Whychat's theory. I've done nothing with medical collections yet, but that is all I have left really. I have one collection that was paid to OC apparently after it was sent to collections, but before I knew. As a matter of fact, I never received any notice from CA at all. It shows as unpaid and has come back verified several times. I was thinking about sending the Hippa letter for paid medical. The small ones I was going to PFD to the OC, but I am afraid they will only report to CA as paid and not delete. I guess I'll can the Hippa idea and take my chances. Thanks....

Re: Should I pay the OC or the CA?

Anonymous — Tue, 26 Jun 2007 14:02:01 GMT

I am not familiar with those terms. I cannot find on common abbreviations. Could you elaborate please?

Re: Should I pay the OC or the CA?

Anonymous — Tue, 26 Jun 2007 14:24:32 GMT

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=3866&jump=true

DV = Debt Validation

Request the CA to Validate the debt

MOV = Meathod Of Verification

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=6285&jump=true

Re: Should I pay the OC or the CA?

Anonymous — Tue, 26 Jun 2007 14:38:54 GMT

So I should not use Whychat's HIPPA letter? The OC is not reporting any of this to the credit bureaus, it is only the CA. So where can I find a letter that I should send to the OC along with payment? And also after payment can I send proof that they are paid to the CA? Will they then have to show them as paid on my report?

Re: Should I pay the OC or the CA?

Anonymous — Tue, 26 Jun 2007 15:25:00 GMT

I hate to sound like a dunce Timothy, but what exactly will these things accomplish. I understand the MOV to the CRA (I think). Can I MOV the CRA with the DV? And when I do, won't they simply give me the name and number of the CA? They may not even know I paid the OC. Then I am back to square one. Is that what DV'ing the CA does? Forces them to call the OC? And then, they may just update to paid. From what I understand, paid is good, but it will not increase my score. A collection is a collection paid or not, right? This board is soooo much different than "the other one". I feel like I have to unlearn everything that I learned before. Thanks for everyone's patience. AND this may work for the paid collection. The others that I owe may be agreeable to a PFD? Or is there another method I should use to pay AND have deleted?

Re: Should I pay the OC or the CA?

Anonymous — Wed, 27 Jun 2007 05:15:29 GMT

daytona18 wrote:
Hmmm, it looks like a lot of people have had luck with Whychat's theory.

Not sure how you're making that leap. I have yet to hear from anyone who's tried and succeeded with the Whychat theory, and right on the Whychat page, it states, and I quote:

"This letter is intended for the original creditor health care provider and is designed to obtain a deletion from credit reports, and stop collection agency activity.

It is NOT applicable if the account is valid and you are unable to pay it.

It will ONLY work if the claim is either INACCURATE, or you remit the valid correct amount due with the letter."

There is nothing in FCRA, FDCPA, HIPPA, the Declaration of Independence, the Be Kind To Pets Act, or anything else to support it.

Re: Should I pay the OC or the CA?

Anonymous — Wed, 27 Jun 2007 05:26:44 GMT

Sorry if I was not more clear.

Request the MOV withh the CRA's they are required to to provide this if requested.

Many feel this will make them actually Verify it and/or delete it instead of just looking it up in a database or checking the data provided against an address on you CR.

DIV'ing the CA - If it's paid the OC can't really provide proff of a debt can they?

I feel if an OC accept your payment they should be required to withdraw the CA automaticaly-

IMO- This should force the issue.

There is an exelent MOV letter on the board- search for it.

daytona18 wrote:
I hate to sound like a dunce Timothy, but what exactly will these things accomplish. I understand the MOV to the CRA (I think). Can I MOV the CRA with the DV? And when I do, won't they simply give me the name and number of the CA? They may not even know I paid the OC. Then I am back to square one. Is that what DV'ing the CA does? Forces them to call the OC? And then, they may just update to paid. From what I understand, paid is good, but it will not increase my score. A collection is a collection paid or not, right? This board is soooo much different than "the other one". I feel like I have to unlearn everything that I learned before. Thanks for everyone's patience. AND this may work for the paid collection. The others that I owe may be agreeable to a PFD? Or is there another method I should use to pay AND have deleted?

Message Edited by Timothy on 06-26-2007 10:26 PM