How to Remove Medical Collections From Credit Reports

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Removing medical collections from credit reports is best done by obtaining a copy of the credit report, determining if the collections are erroneous or accurate, contacting both the medical professional and the collection agency, and either having the charges removed or paying them in full. Contact the right people to eliminate medical collections from a credit report with advice from a credit repair consultant in this free video on personal finance.

Part of the Video Series: Credit Ratings & Bad Credit
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Video Transcript

Hi, my name is Stetson Lowe and in this clip, we're going to be talking about how to get medical collections removed from your credit report. First and foremost, you want to obtain a copy of your credit report. Then, once you have that, you'll want to review all of your medical collections that are showing up. If you find any that are erroneous or being reported in error, you'll want to contact the medical professional as well as the collection agency directly and ask them to remove those from your credit report. If you do in fact find the that they are yours, you'll want to start by contacting the collection agency and setting up an arrangement to pay the bill in fall. Remember always get that in writing, something saying that if you pay, pay the bill in full, they'll remove it from your credit report. If you've already paid these bills in the past which happens a lot with my clients, and you have evidence that the bills have been paid, you want to forward those directly on to the three major credit bureaus, Experian, Equifax, and TransUnion, accompanied by a copy of your photo ID and the evidence that those bills have been paid with a cover letter stating your name and the, referencing the account number which is showing up on your credit report. Once you've submitted those, the credit bureaus will look into it, do their own investigation, then update the credit reports as necessary. If for some reason they validate the debt that has not been paid and you need to contact the health care professional at that point, provide them with your proof that it's been paid and let, remind them of the HIPAA laws which hold them to a high standard of of reporting medical debts correctly. If they're not reporting 'em correctly, they are in violation of your privacy, the privacy laws that you, that protect you as a consumer. You can remind them of that and they will quickly remove them from your credit report.

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