How to Remove Medical Collections from a Credit Report

Debt and Collections

how to remove medical collections from credit report

A single medical collection can hurt your credit score by as much as 100 points! But what is a collection?

A medical collection is a medical debt that is sent to a collection agency. The collection agency will then try to recover the money you owe. This is recorded on your credit report and drastically effects your credit score.

In this article, you will learn exactly how to remove medical collections from a credit report. Read to learn more about how you can increase your credit score fast!

Find Out How to Remove Medical Collections from a Credit Report!

1. Dispute the Collection

One of the most common ways to remove medical collections from a credit report is to dispute the collection. How do you do that?

If you have a debt recorded on your report you don’t think is accurate, it’s a good idea to ask for proof that the statement is accurate. If the debt collector cannot validate the collection, it will make it easier to remove the collection.

Next, you’ll be able to file a dispute with the credit bureaus. To do this, you can contact the credit bureaus directly or get the help of a credit repair company.

Once a credit bureau receives your dispute, there are several ways a collection agency will handle it. Eventually, they will contact you, and you will either resolve the debt through negotiation or repayment.

2. Check How Old the Debt Is

After a certain period, typically seven years, a collection will disappear from your credit report. Check the lifespan of your collection. If it is almost due to disappear off your report, you may not have to pay it. Additionally, the debt collectors won’t be able to sue you to collect. In some states, the debt is revived, and it won’t disappear from your report. 

3. Pay for Delete

One way to completely remove a medical collection from a credit report is to negotiate with the collectors to pay the amount. In exchange, the collection will be removed. Make sure the debt collector sends you a pay-for-delete letter in the mail. Otherwise, you won’t have any assurance that the debt collectors will remove the collection from your account once it is paid off. 

Moreover, paying off a medical collection can boost your credit score. However, the number of points your score increases by will depend on your unique situation.

Get the Help You Need!

Even though you now know how to remove medical collections from a credit report, it doesn’t mean you will be 100% successful. However, there is a more foolproof way to get rid of the collection for good! How?

Enlist the help of a credit repair company! Go Clean Credit is one of the leading credit repair companies. They have over a decade of experience removing collections from reports. 

Go Clean Credit knows that good people have bad credit, sometimes through no fault of their own. They are dedicated to helping you find financial success and achieve your goals! For more information about how Go Clean Credit can help you remove medical collections from your report (and so much more!), contact them today!

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