topic Re: The Hospital Cashed the Check....What next? Hippaa Procees! in Rebuilding Your Credit

The Hospital Cashed the Check....What next? Hippaa Procees!

Anonymous — Tue, 16 Sep 2008 13:46:06 GMT

Hey guys, So I logged onto my bank acct this morning and I see that the Hospital cashed my $148 check. What happens next? How long before the collection should be taken off of my credit report and if it's not taken off, what do I do next?

Re: The Hospital Cashed the Check....What next? Hippaa Procees!

Tons_of_Debt — Tue, 16 Sep 2008 15:35:00 GMT

Send the CRA follow-up dispute letter.

Re: The Hospital Cashed the Check....What next? Hippaa Procees!

Anonymous — Tue, 16 Sep 2008 15:43:49 GMT

What is that letter please?

Re: The Hospital Cashed the Check....What next? Hippaa Procees!

Tons_of_Debt — Tue, 16 Sep 2008 15:48:35 GMT

http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&thread.id=27537

Re: The Hospital Cashed the Check....What next? Hippaa Procees!

Anonymous — Tue, 16 Sep 2008 16:27:58 GMT

Help!! " Send a copy of the follow up letter to the OC (legal dept) with the cover letter,(follows letter to CRA)" What is the cover letter I am meant to send to the OC with the copy of my letters to the CRA's??? Please help...I want to send this today.

Re: The Hospital Cashed the Check....What next? Hippaa Procees!

fused — Tue, 16 Sep 2008 16:41:55 GMT

Did you already follow these steps?

Step #1: You must Opt Out of two things: Your Credit Reports and All Creditors. The first one ensures that the CRAs will not sell your personal data to anyone else (haha…no more data mining). The second one will prevent JDBs (and CAs) from buying and selling bogus collections.

Use this link to opt-out of your credit reports

OPT-OUT CREDIT REPORTS (or call 1.888.567.8688)

Use this link to opt-out from all creditors

OPT-OUT ALL CREDITORS

Step #2: Also, be sure to update your personal information with the CRA's before doing any credit repair.

Step #3: Send the pre-HIPAA dispute letter to the CRA ('s) CM (no RR, this is the only letter in the HIPAA process where you will not send it CMRRR) and wait up to 35 days for the results of the their investigation(s). Be sure to follow the stationary and font guidelines in the link below. If your med collection is deleted, you're finished. If it is not deleted, post your dispute result here before proceeding with the HIPAA process.

PRE-HIPAA MEDICAL DISPUTE LETTER

Re: The Hospital Cashed the Check....What next? Hippaa Procees!

Anonymous — Tue, 16 Sep 2008 16:44:37 GMT

bella, If you sent the PRE-HIPAA dispute letter & the HIPAA letter with payment..................then send the next dispute letter to the CRAs

http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&thread.id=27525&jump=true

If you paid without sending the PRE-HIPAA letter and did not pay using the HIPAA letter then start from the begining.

Message Edited by HappyDays on 09-16-2008 09:44 AM

Re: The Hospital Cashed the Check....What next? Hippaa Procees!

Anonymous — Tue, 16 Sep 2008 16:52:32 GMT

I sent the Pre-hippa letters and the OC cashed the check I sent. I am sending this letter to the CRA's now: This is a dispute of account information on my Experian credit report. Please re-investigate the following disputed account on my credit report. CA name -***** Acct. # - *** Please furnish me with verification that XXX is reporting this account from Florida Hospital for *** in my name. I require the identification of the reporting party and the date of their verification. Please be advised that this request is being made in accordance with the requirements of the FCRA and FACTA and the reporting privacy rules of the HIPAA and Iowa's Medical Privacy Act. BUT the link also says send a copy of this letter with a cover letter to the OC. What should I say in the cover letter to the OC??

Re: The Hospital Cashed the Check....What next? Hippaa Procees!

fused — Tue, 16 Sep 2008 17:01:14 GMT

Since you already paid the OC, write this letter to them using insert B, paid, and send it CMRRR.

HIPAA LETTER TO THE OC

Once you receive the green card for the HIPAA letter, send this follow-up dispute letter to the CRA's CMRRR.

FOLLOW-UP DISPUTE LETTER TO THE CRA

Write the letters as they are already written. Post your results here before continuing with the HIPAA process. GL!