As I promised, I’m going to tell you How To Legally Remove Medical Debt Collections From Your Credit Report.
Medical Debt Collection Removal Steps…
Gather as much information as possible, we can use this evidence against them to and negotiate with the collector to remove the account from your Credit Report. Debt Collectors have to follow specific laws and procedures for every phone call they make and letter they send. Debt Collectors usually don’t follow the rules.
How To Fight Back Against Medical Debt Collectors.
Have you ever had to deal with a Medical Debt Collector?
You want to send a debt validation letter directly to the Debt Collector. You want to send it certified mail– they are required respond within 30 days of the receipt of your letter– or the account is automatically removed from your credit report. Debt Validation Letters are intended for the Debt Collector to prove you owe the said debt and show you all supporting documents.
Credit Dispute Letters
After you have gathered the information on the medical debt collection account, there are steps you need to take to get it removed from your Credit Report. Off, do not talk to debt collectors, just acknowledging a debt can re-age it and destroy your credit scores. I highly recommend setting up a Free Credit Restoration Consultation with one of our professionals.
You want to go online and file a complaint about your Medical Debt Collector on the BBB Website. The Debt Collector is not mandated to respond to the Better Business Bureau, but if they don’t it will go on their BBB record. This is just an extra step that makes the collector have to do more work on your file.
Our Credit Repair Team
I am going to show you exactly what you need to do to audit your credit and remove a medical debt collection account from your credit report. You need to get a copy of your report … You want to go to the bottom of the credit report where it says “Collections Accounts.” Look over each account and find out if the Negative Account has reported to any of the three major credit bureaus, Equifax, Experian or Transunion.
You don’t see any Medical Debt Collection on the report? Have you been receiving Phone Calls from any of those pesky debt collectors? Save ALL voicemails and letters.
My first and most important words of advice; DO NOT PAY THE DEBT COLLECTOR until you have read the steps below or scheduled a free credit consultation with us! My second words of advice; You should never dispute your credit online … You can read about that too, but you want to do everything in writing, you don’t want to risk making any mistakes.
The Medical Debt Collector Is Reporting On My Credit
Most Medical Debt Collection Companies Are Illegally Reporting On Your Credit Report! Off, make sure that you have a recent copy of your credit report from the 3 major credit bureaus. It is extremely important that you obtain the most recent credit report!
If the Medical Debt Collector is reporting negative information on your credit (such as an unpaid collections account), write down the name of the Debt Collector and the name of the original creditor or medical. All this information is important and will be used to help get this account deleted from your credit report. * When we work with clients, we collect this same information for our Fair Credit Reporting Act Attorney to review.
There Is No Medical Collection On My Credit Report.
You want to send a Credit Dispute Letter to the three major Credit Bureaus. The more information you have, the more evidence you have to negotiate a deletion from your Credit Report.
Better Business Bureau Complaint/ Dispute.
The Fair Credit Reporting Act states that creditors and debt collectors have 30 days to respond to your disputes. If you send both disputes at the same time, the Creditor is mandated to respond to you before responding to the Credit Bureaus– further lengthening the timeframe and workload for both the Credit Bureaus and Debt Collectors.
At 747 Better Credit Repair, we take Credit Repair seriously. You can schedule a free credit repair audit and consultation at 877-428-5553.