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About energizer

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    Cap1- For HSBC-$3900 Co-$


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    Cap1- For HSBC-$3900 Co-$5715 original Cap1- 4 Accounts- lawsuit filed- want of prosecution judgemen

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  1. For Medical Accounts only :by validating alone, you just wont turn around and start reporting. You will have the right to report it to CRA;s but you will think twice before suing/placing it on CRA's . TX TFC 392 allows investigation time of 60+ days after validation to investigate the validation sent. its way different than many other states. I want to believe New York state is just as stringent too. Also, in Texas HIPAA rules apply a little differently. You can ask for the TX HIPAA training certifications of Hospital employees (which is mandatory) if you find that there is more than what
  2. No wonder they say " Don't Mess With Texas" You have to be a Texan to actually understand it.
  3. @Clydesmom Your world is UNIQUE only to you!!!!!! Nothing you say about threatening providers with HIPAA applies here. I don't think you would mind paying $150 for 2 tablets of Tylenol if they took good care of you. I don't know which world you come from but here in Texas it sure is different!!!!!!!
  4. @BV80 The collection agency on its own decided that they would C & D. I did not DV + C&D.
  5. will be fun to watch what Central financial Control will do? ofcourse other than reporting it on Credit Bureaus? doubtful if they or the OC will sue? will be interesting to see. so what you are saying that becoz they sent me the COST paperwork, that DV has been answered? and they have accepted the premise that it will be cease & desist. I guess you don't like WhyChat's method and in many previous posts I c that you have expressed OUTRAGE...over it
  6. is there a reason I cannot " paste" text here? its so long a letter and I try & try
  7. The Physicians are not EMPLOYEES/AGENTS of the Hospital furnishing servces to patients include but not limited to Emergency dept Physicians Radiologists Pathologists Anaesthesiologists and all physicians are independent contractors with the patient and not employees or agents of hospital I was asked to INITIAL & Sign on it.
  8. @BV80 Syndicated Office Systems aka TenetHealthaka Central financial control was sent a medical DV. The medical dv was sent before Central Financial Control reported to any CRA's. Yes also noted here is the posts earlier detail a DOS as 2/2014 however, the response below is for a different date as noted below. Patient Name: Mark Twain Acct#: 343546687 Facility : Medical Services Center Date of Service: July 22, 2013 In response to medical DV, central Financial Control reported the following: Dear Sir: Our office is in receipt of your dispute letters requesting debt validation In refr
  9. so now after sending a Medical DV to the CA, I received a response from the CA; it included the HIPAA verbiage on the letter. They sent me a Condition of Service Terms (COST) forms where my initials and signature exists. The CA have responded to cease & desist. It also reminded me to inform that this particular account has not been reported to any CRA's.
  10. @Clydesmom By having $10k line of credit and debit card doesn't allow you to rent from Budget/Avis/Hertz/Enterprise. Its all on their allowed rules for debit cards. The notation they receive when doing credit check for Debit cards only tells them " do not rent " to this particular card holder. No explanation works whether its limit of $5k or even higher Tried it already. However, if only a $300 limit unsecured is still good enough. Irrespective of your credit check. Been there DONE that...
  11. @WTC Amex isn't so widely accepted at car rentals -especially prepaid/charge/Reloadable cards!!!!! with 611 FICO, have to try one unsecured or I will end up paying First Premier bank $175 in Annual Fee and then $99 every year thereafter for a $700 credit limit. Then there is credit one with $75 Annual fee for a $300 credit line. Bad Choices either way. Besides, closing down OpenSky credit card after they increased AF from $29 to $50. OpenSky is a secure cc but reporting to CRA's as regular credit card
  12. Knowing today 06/30/2014 the real FICO score is 611 on EX from myfico.com I am surprised. Creditsesame showed 675 yesterday. what a difference? wow In less than 24 hours my MYFICO score simply changed ; No KIDDING . Its like until you actually hit the MYFICO button and get a real FICO score from myfico.com you wouldn't trust any other scores. what a variation. with 611 EX FICO 08 bankcard score (I m guessing that's what it is from myfico.com website). I cant apply for AMEX with that score. I was actually thinking I m in the late late 600's. nearly 700. I so badly need an unsecure card
  13. I still don't have my answer to the OP. is doing PIF before or after Payment due date enhance FICO score.
  14. @Clydesmom You think 5 inquries of which 3 is one year or older is ONE too Many. Some versions of FICO (FICO98, FICO04) that have inquries older than 6 months are ignored. FICO ignores 12+ mos inquires. About KOHLs. I atleast think something (Revolving Acct) is better than COMENITY/GECRB/AMAZON/TARGET. Yes they are toy cards agreed, its better than getting CREDITONE/First Premier with very high Annual Fees. Knowing my FICO for EX only in the mid to high 600's with known medical collection accounts ( just one from 3 and half years ago) is what even inspiring me to app-spree. AMEX Costco/Every
  15. I have hesitation myself just becoz of less than 700 FICO score. Also true is what I know I m anticipating ; two medical collection accounts very likely to go on CRA's. Thinking might as well do it before NEW medical collection accounts show up on CRA's. Then it will be a very long long time before I get to APP-SPREE.