Just so I have this correct

[mystikal1]

If I read correctly:

1. Pre Hippa Letter

If it disappears it is a done deal

2. If it doesn't, I get a report on who it is so I can pay the OC and by law they have to remove it if I dispute it again right?

I am asking because DW has a lot of medical collections and can't remember which are which and which ones are paid.

Thanks

[fused]

Has your wife pulled all three reports directly from the CRAs?

[mystikal1]

Yes. We also belong to Truecredit and Equifax Credit Watch

[fused]

Here are the first few steps in the HIPAA letter process.

1.) 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 of your CURRENT creditors that you're in GOOD standing with. Do not attempt to opt-out with any CAs or current creditors that you're in BAD standing with (i.e. charge-offs, or currently late).

OPT-OUT ALL CREDITORS

2.) Also, be sure to update your personal information with the CRA's before attempting to reestablish your credit.

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 handwrite this letter (and the envelop too) using personalized stationary and teal blue ink. If your med collections are deleted, you're finished. If they are not, post again in this thread before proceeding with the HIPAA letter process.

PRE-HIPAA MEDICAL DISPUTE LETTER

Keep in mind that you will only send the HIPAA letter to OC if the following happen.

1.) The CRA verifies the med collection AND

2.) The CA sends you a complete and accurate validation of the debt

[mystikal1]

Ok so I am on the right track. Next question how many can I dispute at 1 time (I was thinking 5-6) she has11.

Also can I put them all in 1 envelope or 1 letter per envelope?

[fused]

One letter per collection. There's no limit to the number of letters per envelop though.

[mystikal1]

Thanks Fused!!!

[fused]

No problem! Let us know how it goes.

[Anonymous]

what if you don't have personalized stationary? I have to go out of my way to buy some? so weird that it should matter the color of the ink and paper too though.

  I've been meaning to get to sending out a hippa letter - but then I've already forgotten the steps and think there may be a pre-hippa letter involved somewhere, or are they one in the same?  I know I'm annoying to ask redundantly - but this pregnancy thing has squashed all other thoughts from my mind for the last few months and I'm suffering in more ways than one for it!  Anywho, just trying to get it taken care of so ii don't have to wait for things to drop off for 2 more years!

[fused]

The personalized stationary and teal blue ink help prevent an electronic verification by the CRAs...aka "e-oscar". You want a human to handle your dispute, not a computer. For more info, read the link below.

E-Oscar