Happy might recommend you write some other type of letter (non-HIPAA), but I say do nothing. It's not reporting, so it's not hurting you. As far as I'm concerned, you are not a deadbeat with this debt, you offered to pay this entire bill with OC more than once and they refused to accept. That's their problem!
The OC will not accept full payment on the 2 yo debt.
Do I send a letter to the CA and ask for non-reporting in exchange for PIF?
I can't figure out why this debt isn't reporting at all on the CRAs. Could it be as simple as the OC not having the social security number? It was an ER visit and we were rushing to fill out the paperwork - maybe I didn't include a social?
Two choices here: offer a PIF PFD with the OC only (not the CA) or if they won't agree, use the HIPAA letter process.
Fused, thanks for the reply.
In a display of remarkable coincidence the CA just reported these accounts (scorewatch alert). Funny how I just contacted the OC this week again, and now the CA reports for the first time in 2 years.
We're mulling over buying a house soon, so I definitely need these medical collections to go away (PFD).
I'm confused about the whole HIPPA letter procedure. I am not disputing the money owed, and I am willing to PIF for deletion.
Message Edited by Cobweb on 08-07-2008 10:54 AM