I felt I had screwed up the process because I started my own process prior to reading all this stuff. Some of what I have done conflicts with the very specific HIPAA process. 1) I already disputed via phone through a 3rd party reporting agency. 2) I contacted via phone directly the CA to dispute.
Paid to whom....it has been so long I didn't know. So, I pulled out my credit card summary from 2007. The payments are listed to the OC.
Yes, I had already started the dispute (read my post) via phone to CREDCO who reported to my lender. CREDCO filed the dispute for me. So, I did not dispute using the special letter. But, online these accounts list a lot of the information needed to establish the OC and CA relationship. I don't know where I would be classified in the HIPAA process.
Credit repair basics? I did Opt-out. What else? Removing personal information even if true like what?
Thanks!
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