I had begun the HIPAA process for paid medical debt reporting on my CR. Of course, I had completed both of the Opt Out steps first. The problem is: My EQ report was just updated negatively by one of my CC I am in good standing with and to whom I had sent an Opt Out letter. Further, my FICO score dropped 7 points because of the change!
This is what the CR says:
Account opened: 5/2002
Previously reported Newly reported
Balance: $0 $0
Past due: $0 $0
Status: Pays account as agreed Pays account as agreed
Last activity: 9/1/2008 9/1/2008
Description: Charge Consumer disputes this account information
Amount in H/C column is credit limit Charge
Amount in H/C column is credit limit
I have not disputed anything with this CC, only sent the Opt Out letter. I sent Pre-HIPAA Medical Dispute Letters to all 3 CRA's, but only regarding two medical collection accounts, not this CC account.
Does anyone know why this happened? And what should I do in response to this change negatively affecting my CR and FICO score?
