Need direction, PLEASE!

[CanOnlyGetBetter]

Hi Everybody!  I'm new to the whole credit thing so if you could provide me with just a little guidance.  I have several medical collections that I intend to get removed from my reports.  When disputing, do I need to dispute to all 3 CRA's?  Does this go for actions taken - contact all 3 CRA's?

[fused]

Welcome to the forums!

Are these med collections paid or unpaid? If unpaid, can you afford to pay off these med collections in full if you have to? Please read the med collections and HIPAA letter process thread in my sig line.

[CanOnlyGetBetter]

Some of them are unpaid and most of them are on all 3 CR's.  I'm planning to pay them and I have read your thread on HIPPA - which by the way is very informative.  I was just wondering if I had to dispute the same collection to all 3 CRA's or is documentation resulting from 1 CRA investigation enough?

[fused]

For the collections that are paid or you can afford to pay in full, follow these first few steps very carefully. You will have to send your pre-HIPAA medical dispute letters to any CRA that is reporting a med collection.

1.) You must 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 use personalized stationary. If your med collections are deleted, you're finished. If your med collections are not deleted, post again in this thread for more advice.

PRE-HIPAA MEDICAL DISPUTE LETTER

[Anonymous]

On HiPPA step 2----Do I mail each one seperate or can you do it online?

Opt out with CC--good with?

Car loans?

Motgages?

Authorized user accounts?

Please help

[fused]

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shannon13 wrote:

On HiPPA step 2----Do I mail each one seperate or can you do it online?

Opt out with CC--good with?

Car loans?

Motgages?

Authorized user accounts?

Please help

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I answered these questions in this thread. Here