That's a good question. I'm not sure what is the answer to that question. I'll do some Googling and get back to you if I discover an decent answer. You should email the people at Discover Card as they probably can help you..

WOW! I am impressed!.

Would you mind messaging me where you sent your BofA goodwill? I have a few really old lates with them that I cannot seem to shake.....

I used a standard DV letter that I found online. I havent used any HIPAA letters yet, but am about to with the few collections that remain. Im waiting a bit because I just had some disputes completed and dont want to be too gung-ho with back to back disputes. Ill probably start the HIPAA process just before xmas..

Heres the DV letter I used to get 2 CAs to fold and delete (the other 3 CAs I sent it to did not respond).

RE: Account number 3517XXXX, 3518XXXX.

To Whom It May Concern,.

It has come to my attention that your agency has reported that I owe you a few debts to various credit reporting agencies. The account numbers, as listed in one or more of my credit reports, are listed above.

Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( B ) that your claim is disputed and validation is requested.

Understand that I am not requesting verification, but validation pursuant to the above named Title and Section the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the above referenced accounts..

Please provide me with the following:.

€ What the money you say I owe is for;.

€ Provide me with copies of any papers that show I agreed to pay what you say I owe;.

€ Identify the original creditor;.

€ Prove the Statute of Limitations has not expired on these accounts;.

€ Show me that you are licensed to collect in my state;.

€ Provide me with your license numbers and Registered Agent;.

I will await your prompt response in this matter..

Thank you,.

My Name.

This post has been edited by GoinDeep: 22 November 2009 - 08:33 PM..

Latest update....My FICO scores are now approaching 750. For some reason, my EXP fako has been stuck at 658 since November, even though I have had all but 1 baddie removed (oh well, screw EXP anyway...lol).

I used the pre HIPAA letters from WhyChat to get rid of the last 2 medical collections that were on all 3 reports....TU deleted within a week, and EX and EQ treated the letters like regular disputes (both took almost the full 30 days to delete). But the end result is what I wanted - DELETIONS!.

Last time I bought my FICOs, they looked like this:.

And heres how they look today:.

The next time I update I should be in the 750+ club.

The only thing I can say, is CREDITBOARDS ROCKS!!!!!!!!!!!!.

This post has been edited by GoinDeep: 30 January 2010 - 05:56 PM..