topic Re: Paid Medical Collections in Rebuilding Your Credit

Paid Medical Collections

rebuildingg — Sun, 08 Feb 2015 07:31:47 GMT

Hey, new to the forum and working on building up my credit in hopes to get a mortgage soon. I just sent my first two GW letters for some lates and am egerly awating a responce.

I've got 3 medical collections reporting, all have been paid, one of the years ago and the other two recently. One of them they won a judgement and the other I paid promply after I was served. I read about using the hipaa method to get these removed but it seems for that the original creditor has to be paid in full? Both of the CAs got paid in full, but I have no idea what, if anything, the OCs got.

Can anyone give me some advice on how I could proceed on these?

Re: Paid Medical Collections

Anonymous — Sun, 08 Feb 2015 07:41:29 GMT

You'd have to google HIPAA because it can't be discussed here. You can try to GW them but years later it will be tough. But don't give up!

Re: Paid Medical Collections

rebuildingg — Sun, 08 Feb 2015 07:44:56 GMT

Darn, I was kind of worried about that but thanks. If anyone has any advice they'd be willing to share, please pm me! I'll certainly do some more googling too though, I was just having a hard time finding info about this specific situation.

Re: Paid Medical Collections

gdale6 — Sun, 08 Feb 2015 19:04:23 GMT

@rebuildingg wrote:
Hey, new to the forum and working on building up my credit in hopes to get a mortgage soon. I just sent my first two GW letters for some lates and am egerly awating a responce.
I've got 3 medical collections reporting, all have been paid, one of the years ago and the other two recently. One of them they won a judgement and the other I paid promply after I was served. I read about using the hipaa method to get these removed but it seems for that the original creditor has to be paid in full? Both of the CAs got paid in full, but I have no idea what, if anything, the OCs got.
Can anyone give me some advice on how I could proceed on these?

GW letters is how you go after the CAs, you are on the right track. Here is the GW Letter thread:

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Stories/td-p/1573680