topic Re: HIPPAA question in Rebuilding Your Credit

HIPPAA question

movinonup79 — Tue, 14 Oct 2008 07:44:46 GMT

How long does it take to see any affect on your reports from HIPPAA letters? I'm getting a couple ready to send out now.

I'm on my way and trying to work through this process! Wish me luck!

Re: HIPPAA question

Anonymous — Tue, 14 Oct 2008 11:49:45 GMT

Hi. I sent HIPAA letter #1 out to the CRA's about 40 days ago and received reporting back from all 3 within 35 days - pls make sure your address is correct with the CRA's and do the opt-out process as suggested. Last Friday, I sent out HIPAA letter #2 CMRRR to the 4 OC's that CRA's verified with cashier's checks made payable to them "for deposit only" to the OC's accounts. The letter states that the OC's need to respond in 10 days of receipt of letter #2. I'm hopeful to see some momentum this week as they process, since yesterday was a bank holiday.

Best of luck to you - if everything goes smoothly, I think letter #1 is the longest wait; we shall see and I will post the results.

Re: HIPPAA question

movinonup79 — Tue, 28 Oct 2008 23:15:19 GMT

I just received correspondence today from Equifax verifying that the debt is mine owed to Express Recovery (the CA) for Hunter Imaging and is a Medical collection. TransUnion said it was not listed on my report. I haven't heard from Experian.

I was going to send Scenario #2 HIPPAA letter with certified funds and check made out to Hunter Imaging with for deposit only to Hunter Imaging. Do I send the letter and funds to Express Recovery? or Hunter Imaging??

Do I need to hear back from Experian before I send?

Thanks!

Re: HIPPAA question

fused — Tue, 28 Oct 2008 23:23:07 GMT

movinonup79 wrote:
I just received correspondence today from Equifax verifying that the debt is mine owed to Express Recovery (the CA) for Hunter Imaging and is a Medical collection. TransUnion said it was not listed on my report. I haven't heard from Experian.

I was going to send Scenario #2 HIPPAA letter with certified funds and check made out to Hunter Imaging with for deposit only to Hunter Imaging. Do I send the letter and funds to Express Recovery? or Hunter Imaging??

Do I need to hear back from Experian before I send?

Thanks!

Did the CA give you a complete and accurate validation of the debt?

Re: HIPPAA question

movinonup79 — Tue, 28 Oct 2008 23:36:26 GMT

It says "Equifax has verified that this item belongs to you"

I have no clue about what it should say, so is this correct?

Its only $51, so I figure I may as well pay it. Just want to make sure I send the correct letter and follow the right procedure so it is deleted.

Thanks!

Re: HIPPAA question

fused — Tue, 28 Oct 2008 23:38:19 GMT

After you sent the pre-HIPAA dispute letter, has the collection agency sent you validation?

Re: HIPPAA question

movinonup79 — Tue, 28 Oct 2008 23:40:12 GMT

I haven't received anything from them.

Re: HIPPAA question

fused — Wed, 29 Oct 2008 00:01:37 GMT

Don't pay anything yet, paying will not automatically delete anything!

Scenario #2: If the CRA “verifies” your unpaid collection but the reporting CA did not provide a complete and accurate validation of the account, send this letter to the CA CMRRR.

MEDICAL DV LETTER TO THE CA

After you receive the green card from the Med DV letter, mail this follow-up dispute letter to the CRA CMRRR.

FOLLOW-UP DISPUTE LETTER (2) TO THE CRA'S

Re: HIPPAA question

movinonup79 — Wed, 29 Oct 2008 00:39:04 GMT

Thank god I asked. I just realized I skipped a step!

I really appreciate your help!

Re: HIPPAA question

fused — Wed, 29 Oct 2008 01:35:56 GMT

Which step did you skip?

Re: HIPPAA question

movinonup79 — Thu, 30 Oct 2008 19:32:26 GMT

This is really dumb.... but I totally skipped step 3:

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). If your med collection is deleted, you're finished.

PRE-HIPAA MEDICAL DISPUTE LETTER

You can stone me now! Funny thing is I had read over that thread a million times and couldn't figure out where I went wrong! derp!

Re: HIPPAA question

movinonup79 — Wed, 05 Nov 2008 23:29:26 GMT

I also have another question on another HIPPAA letter. I received the billing statement for the services (from the medical provider) in the mail sent by the CA. I am sending out the HIPPAA letter scenario 1 to to the OC with a cashier's check and restricted endorsement. do I cc the CA?

Thanks!

Re: HIPPAA question

fused — Thu, 06 Nov 2008 00:30:06 GMT

Do not CC the CA

Re: HIPPAA question

movinonup79 — Thu, 13 Nov 2008 04:05:06 GMT

Another question (on a new HIPPAA letter) - What if you want to negotiate a settlement? Do you write the CA?? OC?? or what do I do?

Thanks!

Re: HIPPAA question

fused — Thu, 13 Nov 2008 04:18:47 GMT

Offering a settlement or requesting a PFD is not part of the HIPAA process. If you know for certain that you can reach an agreement (in writing on the CA's letterhead) with the reporting party to delete in exchange for a payment, this is certainly an option. Is this the case? please tell us why you're asking?

Re: HIPPAA question

movinonup79 — Thu, 13 Nov 2008 04:33:00 GMT

I have a lot of medical bills from a period that I had no insurance and I thought maybe they would accept less than what the bill is for and is reporting on my reports. I know everyone says to make sure you have the money to pay unpaid medical bills before you HIPPAA, so I was just wondering how I would go about asking if they would take less.

I guess if its not an option to pay less I will just wait for a while to sent the HIPPAA letter.