How to remove medical bills?

Removing medical bills from your credit report requires a strategic approach, and it's crucial to follow the proper steps to rectify any inaccuracies. Below is some information on how to address and potentially remove medical bills from your credit report, including disputing wrongful reports with the three major credit bureaus.

When you face obstacles in the dispute process, you should never hesitate to hire a consumer rights lawyer. It costs you nothing to dispute credit information or obtain legal help, so never forgo protecting your credit and finances.

Review Your Credit Report and Check for Accuracy

Start by obtaining a copy of your credit report from each of the three major credit bureaus – Equifax, Experian, and TransUnion. You are entitled to one free credit report from each bureau annually, and you can request them through

Scrutinize your credit reports for any inaccuracies related to medical bills. Verify the dates, amounts, and details of each entry. If you find any discrepancies or errors, document them for future reference.

Validate the Debt

Request validation of the medical debt from the collection agency or creditor reporting it. They must provide detailed information about the debt, including the original amount owed, dates, and proof of ownership. If they fail to validate the debt, you have grounds for disputing its presence on your credit report.

Dispute the Inaccuracies

File a dispute with each credit bureau reporting the inaccurate medical bill. This can be done online, by mail, or over the phone, though online is the fastest method. You can take online action at:

Clearly explain the errors and provide any supporting documentation you have gathered. The credit bureaus have 30 days to investigate and respond to your dispute.

Dispute with Original Creditor

If the medical bill is still with the original creditor and not a collection agency, contact the medical provider directly. Sometimes, they may be willing to withdraw the reported debt if there was an error or if you arrange a payment plan.

Negotiate a Pay-for-Delete Agreement

If the debt is valid but you've since paid it off, negotiate with the creditor or collection agency for a "pay-for-delete" agreement. This is where you agree to pay the debt in exchange for the removal of the negative entry from your credit report. While not guaranteed, some creditors may be willing to negotiate.

Seek Legal Advice from a Consumer Rights Attorney

If all else fails and the medical bill is valid, consider seeking legal advice, which comes at no cost to you. Attorney Jibrael Hindi focuses on protecting consumer rights and addressing credit reporting issues for clients. We can provide guidance on potential legal avenues to pursue and lead the efforts for you.

Taking proactive steps to address inaccurate medical bills on your credit report is essential for maintaining a healthy credit profile. By carefully reviewing your reports, disputing wrongful information, and following up diligently, you can improve the accuracy of your credit history and potentially remove undeserved medical bills from your records.

Contact us for more information today.



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