Really confused.

[NAMC80]

I am slightly confused.  I paid off 6 medical bills In full that had been sent to collections. What letter should I be sending to who, what exactly should they be saying, and what information should I be gathering??? I dont want to mess this up.  It is my opportunity to finally have really good credit. 

[Anonymous]

Follow the HIPAA process from the beginning.

1)  Opt out

2)  File HIPAA disputes with all CRAs reporting.  Then wait until the disputes are completed.

It is important to handwrite these disputes.

http://ficoforums.myfico.com/fico/board/message?board.id=medicaldebt&thread.id=544

Because they are paid then the CAs should be reporting Bal $0.....that doesn't mean that they are.

Who did you pay the OC or CA?

Message Edited by HappyDays on 05-14-2009 03:08 PM

[NAMC80]

I paid collection agencies.  They are all still on my report though.  They show as paid closed $0 balance.

[Anonymous]

Ok. If you are lucky they will delete with the disputes. If they do not you will move on to the next step.  Always ask as many questions that you need.

If you receive anything from the CAs after the dispute let us know.

[NAMC80]

Is there a certain dispute letter that I should be using to dispute paid collections that are still being reported.  I saw the one that disputed ownership.