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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.

Case Results

Millions Recovered For Our Clients

  • +$200,000,000

    Class Action Settlements


    TCPA Settlements


    Consumer Debt Waived

  • +$15,000,000

    Data Breach Settlements


    FDCPA Settlements


    Mass Arbitration Settlements

  • +$10,000,000

    FCRA Settlements


    Telephone Consumer Protection Act


    Fair Debt Collection
    Practices Act

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.

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