What happened to complete HIPAA process link?

[Anonymous]

http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&thread.id=27537 

This thread says it has been deleted.  Is there a way to get it reposted?

[Anonymous]

Check over on our new board "Recovering from Medical Debt".

[fused]

Welcome to the forum!

[Anonymous]

Whew! I was skeered there for a minute.  I've started the first step(pre-hipaa) and coming up on 30 days, so was looking for the next step...

[fused]

The CRAs have up to 35 days (5 mail days) to complete their investigations and verify the collection or delete it. Do you know if the CRAs marked your med collection as "in dispute"?

Did you do these steps before you sent out the pre-HIPAA letter?

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.

[Anonymous]

Yep and yep!  Did steps 1 and 2. Personal info was updated.  Still waiting for a response from CRAs and have had no response from CA. (Maybe I should mention these are all with the same CA, 5 of them) I know EQ marked them "in dispute" but not entirely sure about TU.  I have none on EX.  I know TU received because checking the status of dispute online shows 0 of 5 completed.  TU received pre-hipaa on March 2nd and EQ on Feb 28th, so I have a little while left. The only thing that might complicate things is I have disputed these before online and they came back verified. Unfortunately, like many others, I did that before finding out about HIPAA. Another thing that I found odd was they are all Centron Services on TU, but all Credit Systems on EQ, same account numbers and address.

I did get a letter from TU dated 2 days after they would of received pre-HIPAA the says

RE: Verification Documents not available.  I saw this same letter in a different post and the consensus was that they verified but it's still saying 0 of 5 item completed online.

These are paid so waiting to to Alt MED DV to CA because I am assuming I won't hear anything from CA since they are in the same city and I should of got something by now...you would think.

Wow, I didn't mean to end up writing this much!

Thanks for the help!

[fused]

Wait for EQ and TU to finish their investigations before doing anything. The good thing about your situation is its usually easier to get med collection deleted on EQ and TU than it is on EX. When the investigations are complete, please post in this thread and let us know what happens.

[Anonymous]

Just updating...Finally got response from EQ and they deleted 3 of the 5 med. collections and verified 2 med. collections.  Hooray!!  Of course, still have 2 left but progress is progress. TU verified all 5.

So, I printed out my Scenario #3 letters to the CA. And will send them CMRR tomorrow. These 5 collections are with the same company.

Shouldn't take to long to get GC since they are just across town.  Followups to CRAs are printed and ready to send out.  Here's to hoping that will be the end of THAT!

[fused]

You are making progress! Let us know how the other 5 go.

[Anonymous]

ANOTHER UPDATE!! I'm in shock.  TU deleted 4 med collections after I sent the FOLLOWUP letter.  My score went up 43 points!  Hopefully, EQ will follow suit and delete also!  

I just can't say enough about this forum!  I don't even remember how I stumbled on it but I'm so glad I did. 

Thank you fused for all your HIPAA expertise. It really works!!   A house seems to be more of a reality than a dream now!!!!!!!!!!!!!!!!