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    <title>topic Happydays and sidewinder!!!!!!!! in Rebuilding Your Credit</title>
    <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Happydays-and-sidewinder/m-p/313644#M22431</link>
    <description>&lt;DIV&gt;I never got the chance to that you for the wonderful help I recieved on this board.&amp;nbsp; I sent 3 HIPPA letters last week and recieved correspondence that they were deleting the files from all 3 bureaus.&amp;nbsp; So being Miss Impatient, I subscribed to TC and noticed that they were indeed gone.&amp;nbsp; I would have had to wait 5 more years for those debts to fall off if it weren't for the help of you two and the board in general.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;I know you have heard this many times but on behalf of my family I would like to say THANK YOU&lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/DIV&gt;</description>
    <pubDate>Sat, 09 Aug 2008 20:22:40 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2008-08-09T20:22:40Z</dc:date>
    <item>
      <title>Happydays and sidewinder!!!!!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Happydays-and-sidewinder/m-p/313644#M22431</link>
      <description>&lt;DIV&gt;I never got the chance to that you for the wonderful help I recieved on this board.&amp;nbsp; I sent 3 HIPPA letters last week and recieved correspondence that they were deleting the files from all 3 bureaus.&amp;nbsp; So being Miss Impatient, I subscribed to TC and noticed that they were indeed gone.&amp;nbsp; I would have had to wait 5 more years for those debts to fall off if it weren't for the help of you two and the board in general.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;I know you have heard this many times but on behalf of my family I would like to say THANK YOU&lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/DIV&gt;</description>
      <pubDate>Sat, 09 Aug 2008 20:22:40 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Happydays-and-sidewinder/m-p/313644#M22431</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-08-09T20:22:40Z</dc:date>
    </item>
    <item>
      <title>Re: Happydays and sidewinder!!!!!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Happydays-and-sidewinder/m-p/313646#M22432</link>
      <description>&lt;DIV&gt;Congrats!&amp;nbsp; Feels great, huh?&amp;nbsp; DId you get any "fico luv" from this yet?&lt;/DIV&gt;</description>
      <pubDate>Sat, 09 Aug 2008 20:24:53 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Happydays-and-sidewinder/m-p/313646#M22432</guid>
      <dc:creator>southernficoaddict</dc:creator>
      <dc:date>2008-08-09T20:24:53Z</dc:date>
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    <item>
      <title>Re: Happydays and sidewinder!!!!!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Happydays-and-sidewinder/m-p/313647#M22433</link>
      <description>&lt;DIV&gt;Congrats! Feels great doesn't it.&lt;/DIV&gt;</description>
      <pubDate>Sat, 09 Aug 2008 20:25:54 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Happydays-and-sidewinder/m-p/313647#M22433</guid>
      <dc:creator>fused</dc:creator>
      <dc:date>2008-08-09T20:25:54Z</dc:date>
    </item>
    <item>
      <title>Re: Happydays and sidewinder!!!!!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Happydays-and-sidewinder/m-p/313648#M22434</link>
      <description>&lt;DIV&gt;You are welcome.&lt;/DIV&gt;
&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;
&lt;DIV&gt;Congrats on your success. Pleasure to be of assistance.&lt;/DIV&gt;</description>
      <pubDate>Sat, 09 Aug 2008 20:26:28 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Happydays-and-sidewinder/m-p/313648#M22434</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-08-09T20:26:28Z</dc:date>
    </item>
    <item>
      <title>Re: Happydays and sidewinder!!!!!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Happydays-and-sidewinder/m-p/313659#M22441</link>
      <description>&lt;DIV&gt;&lt;/DIV&gt;&lt;DIV&gt;Congrats Miss!!!&amp;nbsp; That is great news.&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;Do you mind telling us a little?&amp;nbsp; Was this in response to the hipaa letter to the OC?&amp;nbsp; Hospital or CA?&amp;nbsp; I have one lousy paid&amp;nbsp;CA on my report and they are being very difficult.&amp;nbsp;&amp;nbsp; It seems like more people have success with hospitals than other medical...who knows.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;Congrats again!! &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;</description>
      <pubDate>Sat, 09 Aug 2008 20:39:12 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Happydays-and-sidewinder/m-p/313659#M22441</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-08-09T20:39:12Z</dc:date>
    </item>
    <item>
      <title>Re: Happydays and sidewinder!!!!!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Happydays-and-sidewinder/m-p/313848#M22469</link>
      <description>&lt;DIV&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;DIV&gt;&lt;HR /&gt;&lt;/DIV&gt;&lt;DIV&gt;love2golf wrote:&lt;BR /&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;/DIV&gt;&lt;DIV&gt;Congrats Miss!!!&amp;nbsp; That is great news.&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;Do you mind telling us a little?&amp;nbsp; Was this in response to the hipaa letter to the OC?&amp;nbsp; Hospital or CA?&amp;nbsp; I have one lousy paid&amp;nbsp;CA on my report and they are being very difficult.&amp;nbsp;&amp;nbsp; It seems like more people have success with hospitals than other medical...who knows.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;Congrats again!! &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;BR /&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;HR /&gt;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;Last week I decided to send a Pre HIPPA letter to 3 medical collections I had for a hospital I visited and incured a co-pay.&amp;nbsp; I did not pay them because I noticed on my CR's they listed the name of the facility and HappyDays advised me that it was a violation of my privacy for those to be shown on my reports.&amp;nbsp; Well, I signed up for TC and they magically disappeared.&amp;nbsp; I got nervous and just as I was about to call I looked in the mail box and saw that they were ceasing all collection efforts.&amp;nbsp; There were 2 75.00 copays and another for my in patient maternity copay of 250.00... ALL DELETED thanks to HappyDays and her wisdom&lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;BR /&gt;&lt;/DIV&gt;&lt;/BLOCKQUOTE&gt;&lt;DIV&gt;&lt;/DIV&gt;&lt;/DIV&gt;</description>
      <pubDate>Sun, 10 Aug 2008 00:51:23 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Happydays-and-sidewinder/m-p/313848#M22469</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-08-10T00:51:23Z</dc:date>
    </item>
    <item>
      <title>Re: Happydays and sidewinder!!!!!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Happydays-and-sidewinder/m-p/313854#M22471</link>
      <description>&lt;DIV&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;DIV&gt;&lt;HR /&gt;southernficoaddict wrote:&lt;BR /&gt;&lt;DIV&gt;Congrats!&amp;nbsp; Feels great, huh?&amp;nbsp; DId you get any "fico luv" from this yet?&lt;/DIV&gt;&lt;BR /&gt;&lt;HR /&gt;&lt;/DIV&gt;&lt;/BLOCKQUOTE&gt;&lt;BR /&gt;&lt;DIV&gt;Southern, you know I'm about as cheap as Fred Sanford and the stuff he sales in his junk yard.... I am not going to pay for another fico score until after the mortgage posts to my credit.&lt;/DIV&gt;&lt;/DIV&gt;</description>
      <pubDate>Sun, 10 Aug 2008 00:53:11 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Happydays-and-sidewinder/m-p/313854#M22471</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-08-10T00:53:11Z</dc:date>
    </item>
    <item>
      <title>Re: Happydays and sidewinder!!!!!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Happydays-and-sidewinder/m-p/314237#M22549</link>
      <description>&lt;DIV&gt;Congrads miss!!!&amp;nbsp;&amp;nbsp; No thanks are needed!&lt;/DIV&gt;</description>
      <pubDate>Sun, 10 Aug 2008 18:00:36 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Happydays-and-sidewinder/m-p/314237#M22549</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-08-10T18:00:36Z</dc:date>
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