medical bills getting taken off credit report?

This topic contains 6 replies, has 4 voices, and was last updated by Medical bills on credit report fontanaman 3 years, 3 months ago.

does anyone know a place or how I can get a medical bill token off my credit? please help!

Welcome to the forums. Yes, it is possible to get medical collections deleted from your credit reports. In order to do this you need to negotiate with the collection agency that is reporting your debt. The first thing you need to do is get a copy of your credit report to get the latest and most accurate information. You can get a free yearly credit report at annualcreditreport.com (this is the official site).

The next step would be to negotiate a #8220;pay for delete#8221; with the collection agency. This means you write them a letter asking to delete your tradeline in exchange for your payment. You can offer to pay in full (less negotiation involved), or pay a lump sum or make arrangements to start a payment plan. It is very important that you try to get this in writing to have proof in case the agency #8220;forgets#8221; to honor your deal.

I was able to get two medical collections deleted from my credit reports this way. Here#8217;s an example of a #8220;pay for delete#8221; letter: http://credit.about.com/od/debtcollection/a/payfordelete.htm

I#8217;ve been reading through these posts, and can tell you that there is another way to fix your medical bills, that I learned about by chance. There are a number of medical bill review companies that do this on a professional level, the best of which have professional medical and legal staff that review hospital and doctor bills for overcharges, double billing, phantom billing, and some believe, outright fraud. I was lucky and found a company called Medical Bill Rehab in Encino California that helped me with totally bogus overcharging for my emergency appendectomy. My charges came to over $19,000. By the time this company reviewed and negotiated everything, my out of pocket cost (I was uninsured last year) was $3726.00. Worth looking into. Also, I live in Northern Virginia, and my operation was at GWU hospital in Washington DC.

Hey Louis, welcome to the forums.

Thanks for the info. I#8217;ve never heard of such companies but I can definitely see myself benefiting from a service like that in case of an emergency (considering I#8217;m currently uninsured). $19,000 for an appendectomy is insane! Health care in this country is such a dirty business#8230;

Did you have to pay everything at once? Also was their fee included in the final bill or was it charged separately?

I hadn#8217;t heard of it either. When the bills started coming in I freaked out and hit Google for a solution, knowing that I had to fight back, or drown in these bills.

Did you know that most emergency rooms contract out for ER doctors, anesthesiologists, and radiology? I didn#8217;t either. That is why I said #8220;bills#8221;, not hospital #8220;bill#8221;. Now try dealing with each one of those people, while keeping your (uninsured) job, and your sanity. Not going to happen, and they know it, and they collectively blew me off when I tried talking to them on my lunch hour. Did I mention that they all threatened to send me to collections knowing that I was uninsured and likely wouldn#8217;t pay? I decided to go with that Ca company (they go by the name: Medical Bill Rehab LLC, because upfront I seemed to get some good common sense, knowledgeable information. It took them about a month to deal with the powers that be, but ultimately got everybody to sign off which means my credit record wasn#8217;t affected.

They offered a short-term payment plan for their fee (25% of the $15,300 total savings), but I knew a gift horse when I saw it and squeezed my savings account to get it paid off immediately. I have since learned that paying only a bit over 19% was even better than many commercial insurance rates.

Hope this helps.

Please help with any info possible..

I have settled a medical bill in full with the collection agency yet it still appears on my credit report. Upon calling the debt collection agency, they mentioned that they cannot delete the item from my report but they can send a settlement letter, which I can use to talk to the Credit Bureau. Can someone guide me as to how I would go about this process? Any do#8217;s and don#8217;ts?

Sorry for the late reply. Did you negotiate to have this medical bill removed from your credit report as part of your settlement? If you did not negotiate, unfortunately there#8217;s not a lot you can do at this point. You can try sending what they call a #8220;goodwill#8221; letter. A goodwill letter is a letter you send to creditors asking them to request a goodwill adjustment to your credit files.


Medical Bills On Credit Report - How To Remove Medical Bills From Credit Report

Medical bills on credit report

some say send letter to credit bureaus and some say send letter to collection agencies. .what is what.. I#39;m lost

Medical bills on credit report

Medical bills can be tricky. There is a new law that says if you pay medical bills in full instead of settling, they will not put satisfed on your credit report and you can dispute it after. I wonder has anyone tried it.

Medical bills on credit report

I just got FUCKED. I saved 20,000 in my life, paid off a whole truck, always have been on time, and a medical bill for $200 I didn#39;t know I had was sent to collections and I never got a phone call and it dropped me from Excellent to Poor and now I have a dream of owning a home and it raised my interest and PMI rate. FUCK THE SYSTEM. $200 oversight costs me THOUSANDS in increased interest.

Medical bills on credit report

If Debt forgiven. Does it stop being reported thus boost my credit score?

Medical bills on credit report

This is true, many medical billing companies nowadays let your credit company know about this. I was charged with a medical billing from CMRE, but instead of holding it off for a while, they notified me right away and I was able to pay it off with having it affect my credit score.

Medical bills on credit report

I like your enthusiasm. Has anybody tried the advice he gave? Did it work?

Medical bills on credit report

What if i already have begin making payments on an old debt, but then learn they do not have proof I owe this? They said once i begin making payments, my dispute is not valid..

Medical bills on credit report

What if i already made my first payment? they supposed to sent me a letter via mail with all the info and details but soon is about to be a month never received anything :/ they gonna call me anytime this week for the second payment :/ what to do what to do .

Medical bills on credit report

Why is this bug eyed guy giggling so much?

Medical bills on credit report

Texas stature of limitations is 4 yrs

Medical bills on credit report

How do they guarantee that they will stop reporting it if you settle and pay? You just take their work for it?

Medical bills on credit report

Wow, thank you so so much for this video. I called wanting to pay they told me I owed more, asked for debt validation just to make sure. I owed less due to some credits on other accounts, then asked for a settlement and paid even LESS! Thank you !

Medical bills on credit report

Great info thank you!

Medical bills on credit report

Clarification PLEASE.. Do I send letters to the Credit Burreau#39;s?? such as: TRANSUNION, EQUIFAX, EXPERIAN. -OR- the annoying credit agencies that bought out my debt??

Medical bills on credit report

I called I said i wanna settle and they told me no


How to remove medical bills from your credit report?

Medical bills on credit report

Medical debt hurts. You thought your insurance would cover some necessary medication or procedure, but the company left you footing the bill. Worse yet, an unpaid medical bill will hurt your credit while a paid bill remains off the record. But you can take back control of your credit report. We explain how medical debt affects your credit report, how to get it off, and how to keep it off in the future.

Medical Debt: Negative Information Only

A staggering number of Americans have medical debt on their credit report. Over 43 Million, or one out of five credit reports contains an instance of medical debt. According to the CFPB, 52% of all overdue debt on credit reports is medical debt.

If these statistics don#8217;t impress you, the unfairness of medical debt might. Medical debt is not like other kinds of debt. It only shows up on your credit report if you haven’t paid it. It’s a form of “negative” information. This means that paying your medical bills won’t help you build credit.

On the other hand, not paying will hurt your credit. An unpaid medical bill appears as a negative collections item.

What’s worse? Medical providers don’t have to inform you before they turn a bill over to a collections agent. They may even turn over the bill if you’ve made timely payments on a financial help plan.

Newer credit scoring algorithms like the FICO 9 or the Vantage 3.0 ignore medical debt. This would be great news for consumers, but most lenders still use the FICO 8 credit score. That means that unpaid medical bills still count against you.

The whole system seems unfair. The CFPB reports that many consumers don’t know about their medical debt until it shows up on their credit report. Even worse, many people find out when a collections agent calls them.

Thankfully, medical debt is easier to remove from your credit report than other types of debt.

Negotiate bills with the right collector

Medical bills on credit report

In general, we recommend working with your collections agent to remove negative information. Often this means pursuing some form of “Pay for delete” strategy. The key here is negotiating to drop the negative information from your report. Marking medical debt as paid doesn’t improve your credit score. Your creditor needs to remove it.

The pay for delete strategy works with medical debt. However, medical debt has a unique wrinkle. Unlike other debts, you can still work with your medical provider.

Is it better to work with your provider? It depends upon the situation.

If you were on a payment plan, but your bill ended up in collector’s hands, call your provider. If you work with them right away, they should honor their assistance plan.

Patients who never received a bill should also work with their provider. Explain the situation, and ask your provider to pull the bill from collections.

When your provider pulls a bill from collections, you get a “reset” on your debt. The reset gives you time to negotiate a payment plan with your provider. Most of the time, providers will give discounts for prompt payment or for starting a payment plan.

If the negative information doesn’t come off your credit report, you can dispute the debt through the credit bureaus.

When providers won’t work with you, work with the collections agent instead. Ask them not to report the medical debt right away. They may keep the debt off your credit report if you agree to a payment schedule. If they agree, your credit report will remain clean.

Stay on top of your medical bills

You don’t want medical debt to hurt your credit again. To keep it far from your credit report, you need a plan to manage medical expenses. These are a few steps you can take to keep medical debt from your report.

Start by reading all the communication from your medical provider and your insurance. Most of the time, the first communication you get will be from your insurer. It will be an Explanation of Benefits (EOB). It will have the words, “This is not a bill” on the top. This document explains what a hospital charges, and what the insurance company agrees to pay. The difference between the two is the discount. You don’t owe the discount. That is an agreement between the hospital and the insurance company.

You will owe some part of the amount agreed to by the insurance company. You may only owe a copay, or you may owe the full amount up to your deductible. Your responsibility depends on your agreement between you and your insurer.

If you don’t get an explanation of benefits within 6 weeks of treatment, call your medical provider.

Shortly after you get the EOB, you will get a bill from your medical provider. If the bill is more than you expected, you can call the provider and ask for an itemized bill. This gives you the opportunity to identify errors and avoid overpaying.

You can also negotiate discounts by starting a payment plan or by making a lump payment right away.

Stay on top of all communication, and you’re more likely to keep medical debt off your credit report.


Do medical bills go on credit report?

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    Medical Bills On Credit Report - How To Remove Medical Bills From Credit Report

    Medical bills on credit report

    Great info thank you!

    Medical bills on credit report

    some say send letter to credit bureaus and some say send letter to collection agencies. .what is what.. I#39;m lost

    Medical bills on credit report

    This is true, many medical billing companies nowadays let your credit company know about this. I was charged with a medical billing from CMRE, but instead of holding it off for a while, they notified me right away and I was able to pay it off with having it affect my credit score.

    Medical bills on credit report

    I like your enthusiasm. Has anybody tried the advice he gave? Did it work?

    Medical bills on credit report

    I just got FUCKED. I saved 20,000 in my life, paid off a whole truck, always have been on time, and a medical bill for $200 I didn#39;t know I had was sent to collections and I never got a phone call and it dropped me from Excellent to Poor and now I have a dream of owning a home and it raised my interest and PMI rate. FUCK THE SYSTEM. $200 oversight costs me THOUSANDS in increased interest.

    Medical bills on credit report

    What if i already made my first payment? they supposed to sent me a letter via mail with all the info and details but soon is about to be a month never received anything :/ they gonna call me anytime this week for the second payment :/ what to do what to do .

    Medical bills on credit report

    Why is this bug eyed guy giggling so much?

    Medical bills on credit report

    I called I said i wanna settle and they told me no

    Medical bills on credit report

    Medical bills can be tricky. There is a new law that says if you pay medical bills in full instead of settling, they will not put satisfed on your credit report and you can dispute it after. I wonder has anyone tried it.

    Medical bills on credit report

    Wow, thank you so so much for this video. I called wanting to pay they told me I owed more, asked for debt validation just to make sure. I owed less due to some credits on other accounts, then asked for a settlement and paid even LESS! Thank you !

    Medical bills on credit report

    How do they guarantee that they will stop reporting it if you settle and pay? You just take their work for it?

    Medical bills on credit report

    If Debt forgiven. Does it stop being reported thus boost my credit score?

    Medical bills on credit report

    What if i already have begin making payments on an old debt, but then learn they do not have proof I owe this? They said once i begin making payments, my dispute is not valid..

    Medical bills on credit report

    Texas stature of limitations is 4 yrs

    Medical bills on credit report

    Clarification PLEASE.. Do I send letters to the Credit Burreau#39;s?? such as: TRANSUNION, EQUIFAX, EXPERIAN. -OR- the annoying credit agencies that bought out my debt??