New to the site.

[jwelch47]

I accidentally posted this in the Beginners Info. I hope its ok I re post here. I have three open collections accounts that I want to remove from my CR. I'm not sure how to go about this, I have been reading through the forums but I'm getting overwhelmed. One is from Account Recovery for $65 which I believe may be an eye exam. One is from General Service Bureau. My credit report says its $96 but I called them to see what it was for and they said it was 6 different accounts that add up to $190. I told them I had no idea what it was and they said they would send an itemized report but haven't seen anything for two weeks. The last is from NCO Financial for $352 for a medical bill. What do you think my starting point should be? If I send a PFD letter how likely do you think it is to work? If they accept and delete it can never show up on my report again can it? All help is appreciated . . . I really want to do this right.

[jwelch47]

Also, I read the medical collections/hipaa post but really do not understand it. I will try reading it again but I am a new father of twin girl and work on little to no sleep so I doubt it will make anymore sense.

[Trish]

Originally Posted by jwelch47

Also, I read the medical collections/hipaa post but really do not understand it. I will try reading it again but I am a new father of twin girl and work on little to no sleep so I doubt it will make anymore sense.

LOL... I know how that feels/felt...
Yes, try reading the HIPAA process again....I had to read it a few times before it made sense. ......and then there are parts that are still confusing.
So try reading it again and if you still have questions, just ask and I will see if I can answer.

Oh. and I did answer your other thread in the beginner's section and then brought it over here.