Medical collections on credit report removal
- 1 Surgically Remove Medical Collections From Your Credit Report
- 1.1 Remove Medical Collections? Using The HIPAA Privacy Rule to Delete Medical Collections
- 1.2 Have a medical bill on your credit report?! Here are solutions
- 1.3 Medical Bills On Credit Report - How To Remove Medical Bills From Credit Report
- 1.4 How I Fixed Credit Fast: Removed Collections, Charge-off, and Adverse Accounts - 30 Days - Secret!
- 1.5 How to remove medical collections from credit report
- 2 Removing Paid Medical Collections From Credit Report
- 3 Can a Medical Collection Be Removed From My Credit Report?
Surgically Remove Medical Collections From Your Credit Report
Visit our blog at http://YourCreditAttorney.com for more information on what exactly happens when you don't pay the Dr. on time. How your credit report and credit score take a hit and what you can do about it to improve your credit and raise your credit score once again. If you need to view the original, here it is http://youtu.be/b-dmuc-gZYM
Remove Medical Collections? Using The HIPAA Privacy Rule to Delete Medical Collections
http://creditrepairpublishing.com/credit-repair-videos Remove Medical Collections? Using the HIPAA Privacy Rule to Remove Medical Collections from your Credit Report
Have a medical bill on your credit report?! Here are solutions
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Medical Bills On Credit Report - How To Remove Medical Bills From Credit Report
If you’re plagued with medical bills on your credit report and you’ve had enough of just living with a less than perfect credit score. Discover how exactly to exercise your consumer rights and how to remove medical collections from credit report files. For the full story check out an article at: http://www.yourbadcreditcard.net/medical-bills-on-credit-report/ Watch does paying off collections improve credit score: https://youtu.be/DR-KuHhw58c Watch how to remove collections from credit report: https://youtu.be/yEpe-lyc12E Subscribe to our YouTube Channel: http://www.youtube.com/channel/UC4jYrn-kO81fttWugfCPmpA
How I Fixed Credit Fast: Removed Collections, Charge-off, and Adverse Accounts - 30 Days - Secret!
No gimmicks. No BS. No tricks. Get the secret here: https://609creditrepair.com/ NO NEED to balance transfer debt from 1 card to another card! NO NEED to increase a credit lines! NO NEED to pay balances! NO NEED to pay credit card company! NO NEED to pay collection accounts! NO NEED to pay banks, creditors, loans! NO NEED to keep credit utilization low! NO NEED to get credit cards! NO NEED to get better credit history! NO NEED to get secure credit cards! NO NEED for credit repair agencies! NO NEED for credit repair attorneys! You can do this for YOURSELF. I did and took my score from the 500's to 700s The 609 Credit Repair Secret is a section of the Fair Credit Reporting Act (Federal Law) that does not care if the negative account is valid or not. The letter writing system, I have for you, disputes the CRA's right to REPORT the adverse account – NOT whether or not the adverse account is valid. If you're tired of having bad credit. If you want a credit card, or utilities turned on, or want to apply for a job you need good credit! This system works every time! This 1 ebook comes with the dispute letters that will help you dispute your credit accounts with the credit reporting agencies -- just like a lawyer or credit repair agency would. Remove Charge-Off Accounts, Collection Accounts, Late Payments, Foreclosures, and All Other Negative Items. 100% Legal Proven Method. Improve credit from very poor to EXCELLENT. FICO Scores from below 500's to above 700's. What to do, when to do it, and how to do it. Step by step instructions how to fill out your dispute letters. 4 Levels of Dispute Letters: Letter 1: THE INITUAL DISPUTE Letter 2: FOLLOW-UP DISPUTE Letter 3: LEGAL DEMAND DISPUTE Letter 4: LITIGATION DISPUTE Helps with: auto loan bad credit, auto loans, auto loans for bad credit, auto loans for people with bad credit, auto loans with bad credit, bad credit, bad credit alliance, bad credit apply, bad credit approval, bad credit approved, bad credit apr, bad credit auto financing, bad credit auto loans, bad credit bank, bad credit banks, beck credit score, check my credit report, check my credit score, check my credit score for free, check your credit, check your credit reports, clean up my credit, clean up my credit for free, clean up my credit report, clean up your credit, clean up your credit fast, clean up your credit for free, clean up your credit history, clean your credit, clean your credit score, clean your credit yourself, clean your own credit, cleaning credit, cleaning credit card, cleaning credit cards, cleaning credit history, cleaning credit report, cleaning my credit, cleaning up credit, cleaning up credit report, cleaning your credit, clear bad credit, clear credit, complete credit repair, consolidation loan bad credit, consolidation loans, consumer credit, consumer credit counseling, consumer credit repair, consumer credit report, copy of credit report, credit, credit agencies, credit bad, credit bureau, credit bureau report, credit bureau reports, credit bureaus, credit card, credit card debt, credit card debt relief, credit card debt solutions, credit card for
How to remove medical collections from credit report
How to Remove medical collections from your credit report BY:The Credit Physician
Removing Paid Medical Collections From Credit Report
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Can a Medical Collection Be Removed From My Credit Report?
Can I remove a medical collections from our credit report? It has been paid and it is our account. I didn’t know that it had been reported. I did call the collection agency and was told by law it could not be removed unless there was a mistake.
I was told I could dispute it by written letter and to fax this letter to the representative and they would take it to their arbitration department. Is there ever any circumstances to warrant removal? Was I given the correct information from the representatives? And if I try to dispute it on the grounds of personal circumstances and I lose, will it hurt me more?
First, you need to understand that the big three credit bureaus ‑‑ Equifax, Experian and TransUnion ‑‑ maintain credit files on individual consumers in this country, not joint credit accounts. Now, it may be the case that this medical collection was an account for which you and your spouse both assumed liability and therefore the collection account is showing up on your account as well as your spouse’s account, but I just want to be clear that there is no such thing as an “our” or “we” when it comes to credit reports.
You stated that you did owe the account and that you did pay the account. Just by paying a collection account does not and will not automatically remove it from your credit report. Negative information such as a late payment or collection account under the Fair Credit Reporting Act can remain on your credit report legally for up to seven years.
Now, you said that the person told you that by law it cannot be removed unless there was a mistake. No, that is not accurate. It’s within their power to remove anything that they want to remove. This goes for a collection agency, a medical institution, a hospital, a collection agency, a creditor, a credit card company, etc. Frankly, the incentive there is less at this point since you’ve already paid the account. You’ve already given them the cold hard dollars that they were seeking and so a bit of your leverage in getting them to remove that medical collection account from your credit report has been lost.
I am always telling consumers, if you are going to pay and settle up on an account that has been past due, that one of the things you should ask for upfront is that your creditor or your collection agency agrees beforehand and in writing to remove all negative information from your credit reports. They won’t always agree to do this but certainly if you ask for it, you have a more likely chance of getting it done if you try to request it and get it in writing upfront.
With regard to them disputing it or with regard to you disputing it by written letter and faxing it over to their arbitration department, I would go ahead and follow the course that they’ve recommended but again, there is no requirement under the law that they remove this information from your credit report. It’s just a matter of them looking at your circumstances and trying to say: “Ah, the person did pay after X amount of time!” You didn’t indicate how old or how past due this account was, so it is really going to be entirely at their discretion.
You said if you disputed on the grounds of personal circumstances and lose, will that hurt you more? No, it won’t hurt you more but it could potentially hurt you more if you try to dispute it with the credit bureaus and then you enter a statement, something called a “consumer statement”, on your credit report.
Generally speaking, I advise people not to enter a consumer statement on your credit reports, because those kinds of statements which do tend to reflect some element of your personal circumstances, that is: “I was sick, ” “I couldn’t work, ” “I was out of a job, ” “We had big medical bills, ” “We had credit card debt.”… Whatever it is you are trying to explain in terms of your personal circumstances, is essentially just an admission that you did in fact not pay as agreed and that the creditor was correct in reporting your tardy payments.
So, don’t add a statement to your consumer file and this is not something that you can legitimately dispute with the credit bureaus themselves. You can try to go directly to the medical collections agency and see if they would be willing to remove it on some other grounds. The fact that they have said: “Unless there was a mistake, ” tells you upfront that they are going to take a pretty hard line position on this. You already know that there was not a mistake because you indicated that it was in fact your account.
So, good luck in managing your credit in the future and I hope this information has been helpful to you in terms of knowing what can and can’t be reported on your credit report.