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.
If you have GOOD old closed accounts, send them a letter advising them of your current address and ask them to update your records as you may wish to use the account again. This will prevent you from losing GOOD closed accounts
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 ($7.35) 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.
You can also print a priority mail label on line with a USPO account. Make sure you do NOT add signature requirements. You can fit the label on a 6x10 envelpe by folding under the bottom.
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