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On a roll again... sending out more DV's today!

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On a roll again... sending out more DV's today!

Ok I have made it to the high 600 club yay!!  But I stopped trying cause I got so busy with things.
 
I just bought a used car and got a new CC but these inquiries are probably going to bring my score down again.
 
So I am going to try to get these last POS CA's off my reports
 
1. Sent today AFNI 3rd DV - already reported to FTC and BBB they ignored
2. Sent today MCM 3rd DV - "                                                                       "
3. Sent today 2nd GW letter to Applied bank - denied first one
4.Sent today 1st PFD to medical collection
5. Sent today OSI 2nd dv - did not complete the first DV only sent me a bill
 
I will keep everyone posted and wish me luck.  Come on 700's!!!!!!
Gardening since 5/3/2016
Message 1 of 5
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Moderator Emeritus

Re: On a roll again... sending out more DV's today!



glamchick wrote:
Ok I have made it to the high 600 club yay!!  But I stopped trying cause I got so busy with things.
 
 
5. Sent today OSI 2nd dv - did not complete the first DV only sent me a bill
 
I will keep everyone posted and wish me luck.  Come on 700's!!!!!!


Congrats on your past and future success!
 
A call came into our office today from "OSI". I field CA calls all the time here and quickly searched the number thinking it was the CA. Short story even shorter it wasn't the CA, but someone looking to extend a car warranty. But in searching for the CA OSI, it looks like they do medical collections.
 
If your OSI was collecting on a medical debt and they sent you a bill, then they may have violated HIPAA. If so, then you could call them out on that and press for a PFD somewhat easily.
Message 2 of 5
Established Contributor

Re: On a roll again... sending out more DV's today!

Hi thanks for the heads up...  I believe its for a long distance bill i never owned.
Gardening since 5/3/2016
Message 3 of 5
Established Contributor

Re: On a roll again... sending out more DV's today!

did you follow HIPPA for #4
I havent done it yet but Im hearing good things about it.
6/9/08 FICO TU 697 EX698 EQ 618uti 6% (once new accounts hit) BIZ- DUNS 80, EX 35
GOAL 2008- 700s+ new car
2010 BE a first time buyer
Message 4 of 5
Established Contributor

Re: On a roll again... sending out more DV's today!

I thought HIPPA was only if the doctors made a mistake in billing.  This was for an emergency room visit.  My insurance only paid a certain percentage I owed the rest. 
Gardening since 5/3/2016
Message 5 of 5
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