topic Re: HIPPAA Help? How can I ... in Recovering from Medical Debt

HIPPAA Help? How can I ...

AfterTheStorm — Wed, 18 Mar 2009 20:31:35 GMT

get this medical collection removed?

- I tried the PFD but the co was very arrogant and would not bulge.

- I've disputed with the 3 CB's and the co verified acct each time.

The co RE reported as of 2/09 and caused my credit to plumet 35 points!!!! All of my hard work!!! I am racing against time to purchase a home this yr (tax credit) and trying to get my credit score up.

Does anyone have any suggestions? I read the hippaa deal but don't understand can someone explain how it can help?

someone pls help !!!

Re: HIPPAA Help? How can I ...

fused — Wed, 18 Mar 2009 20:55:48 GMT

Is the med collection marked as already disputed/verified? Can you pay it in full if you have to?

Re: HIPPAA Help? How can I ...

AfterTheStorm — Wed, 18 Mar 2009 21:07:40 GMT

I disputed it thru all 3 credit bureaus and they verified each time.

Yes I can pif. I offered they declined.

My goal is to remove the collection. They rec

I disputed it thru all 3 credit bureaus and they verified each time.

My goal is to remove the collection. They recently dropped my score like 35 points. Will hippa help?

ently dropped my score like 35 points. Will hippa help?

Message Edited by AfterTheStorm on 03-18-2009 02:07 PM

Re: HIPPAA Help? How can I ...

fused — Wed, 18 Mar 2009 21:21:32 GMT

Ok, but is there any notation on your credit reports that this med collection has been disputed and verified?

Re: HIPPAA Help? How can I ...

AfterTheStorm — Thu, 19 Mar 2009 00:05:56 GMT

No it doesnt say those words exactly - disputed and verified. You can verify below though. But take a special note of the highlighted commented under Transunion and Experian. Do note I disputed through all 3 cbureaus.

EXPERIAN

Account Type Collection Department / Agency / Attorney

Date Opened 5/1/2007

Account Status Closed

Mo. Payment

Payment Status Seriously past due date / assigned to attorney, collection agency,

or credit grantor's internal collection department

High Balance Limit Terms 1 Month

Comments Account in dispute-reported by subscriber

EQUIFAX

Collection agency [?]

Original balance [?]

Current balance [?]

Status [?]

Unpaid Date assigned [?] May 01, 2007

Date reported [?] Feb 01, 2009

Date last active [?] Nov 01, 2005

Date paid [?] Not Reported

Date closed [?] Not Reported

Original lender [?] Not Reported

Account number [?]

Type of account [?] Not Reported

Account holder [?] Individual

Type of credit [?] Not Reported

Payment status [?] Not Reported

Largest past balance [?] Not Reported

Amount past due [?] Not Reported

Account descriptions [?] Not Reported

TRANSUNION

Date Verified: 02/2009

< Pay Status: >Collection Account<

Account Type: Open

Account Responsibility: Individual Account

Date Closed: 01/2009

Loan Type: Open Account - Collection Agency Attorney

Remark: Account information disputed by consumer

Date placed for collection: 05/2007

Estimated date that this item will be removed: 10/2012

Message Edited by AfterTheStorm on 03-18-2009 05:05 PM

Re: HIPPAA Help? How can I ...

fused — Thu, 19 Mar 2009 00:14:53 GMT

Its unlikely the CRAs will accept another dispute at this time. I would wait six months, then use the HIPAA letter process.