hippa process questions

[Anonymous]

hi- I have a collections account from 2006. it is a $300 medical bill from a surgery my then 5 month old daughter had. needless to say, i paid it late. i paid in 2006. it reports as paid . is there anyway i can try and get this deleted. i havve looked at the threads before writing, but am confused. it was a valid debt, . it is with a collection agency , and i did pay it. i am hoping to get a mortgage in the future and im trying to deal w/ past credit issues. this is 1 of 2 negative accounts i have. thanks for any advice you may have.have a good night

[fused]

Welcome to the forums!

Even though you say this was a valid debt, that doesn't mean the CA still has a "business purpose" to continue reporting it. Part of the HIPAA letter process is to determine if a business relationship still exists between the OC (original creditor) and the CA. It really doesn't matter what you and I know, the CA MUST prove they have a business purpose to your protected health information and they have a right to report derogatory information to the CRAs. The fact is they can't, the collection is paid, so it has to be deleted.

[Anonymous]

 thank you for the response. i am confused on what the next step should be.i guess i have some heavy reading on here

[fused]

Aside from this paid med collection, are your reports free and clear of negative information such as non-med collections, charge-offs, public records and etc.?

[Anonymous]

 yes, i have one charged off item from years ago(a capital one card). im saving up the money to pay it off. its scheduled to be removed as of july of 2010 but i hear a lot obout them taking ppl to court right before then. i do owe this debt... just trying to figure everything else out. otherwise the credit reports i got from using this site say that everything else credit history length and paying bills on time is going good. i dont remember off hand which is which, but one score was 629, and the other 645.that capital one acct is really huriting me i guess

[fused]

Ok! These 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 collection is deleted, you're finished.

PRE-HIPAA MEDICAL DISPUTE LETTER