Guidebook To Using Why Chat's Programs

First start by opting out, this prevents your data from being sold to data miners.

OPT OUT INSTRUCTIONS

Get your credit reports directly from each Credit Reporting Agency, you need reports with an individual ID#
.To order, visit annualcreditreport.com, or call 1-877-322-8228
Get your MEDICAL INFORMATION BUREAU (MIB) REPORT
You do NOT need your MIB report for most disputes. You DO need it if you have a VERY common name, or have been a victim of ID theft/fraud.
YOU WILL NOT HAVE AN MIB REPORT AVAILABLE IF YOU HAVE NOT APPLIED FOR LIFE OR HEALTH INSURANCE

Next try to delete old addresses IF you have moved since the date of medical service, or the date of delinquency on a credit card or utility account.

To delete old addresses send a letter to each CRA ( Credit Reporting Agency)WITH PROOF OF DELIVERY# with a copy of the personal data page of your report and the "old" addresses circled in red. You state that the circled addresses of xxxx and xxxx are invalid and that you are concerned about ID theft/fraud, include a copy of your drivers license, a copy of your SS card and a copy of a recent utility bill as proof of your identity and correct address.

PRIORITY MAIL INSTRUCTIONS

Here is how to send priority mail letters:

Go to the PO and get a dozen flat rate priority mail envelopes (6X10 is the easiest to use)
You can either buy them prepaid with the postage ( $6.45) or buy the priority mail stamps separately.
Get a stack (they come in a book) of FREE USPS tracking forms.
Whenever you send a letter, affix your copy of each receipt to the hard copy of the letter you have sent.
You will, of course, be entering that PM tracking # in the heading of each letter.

HIPAA letter program guide:

SOL Letter Program Guide:

REPOSSESSION PROGRAM GUIDE:

DELETE JUDGEMENTS PROGRAM GUIDE

NEW IRS REGULATIONS FOR HOSPITALS UNDER THE AFFORDABLE CARE ACT

BALANCE BILLING RULES BY STATE

CFPB 2015 Year in Review With Top CA Complaint Listings