Getting medical bills off Credit Report?

[fontanaman]

I have two unpaid medical bills that I’m trying to get off my credit report. I was able to negotiate with one of the companies and they are willing to take it off my report if i pay in full (fortunately it’s a small amount). They’ll also provide a letter stating this, which from what i’ve read, is the best thing to do (always get written proof).

Now, the second company is also willing to remove the collection from my report if I pay in full, but they are for some reason, unwilling to provide a letter stating that they’ll remove it from my report if I pay, I don’t know why (but seems strange).

I just wanted to know if any of you has had experience dealing with this kind of stuff and wether your credit score improved a lot after getting this off your report.

[Christie0909]

Fontanaman,

I hope that I am not too late in telling you this. I also have two unpaid medical bills on my credit report. They are the ONLY baddies I have. I have two other accounts and they are both positive and paid as agreed. My scores are in the 650’s but I still cannot get anyone to approve me. I was even denied for a secured card. Well I recently enrolled in a free trial with Identity Guard. They allow you to see all three of your scores and reports. They also help you dispute any items. Well I called today to cancel my membership. I figured I would start tracking my scores and report after I got the medical collections taken off. Well the lady I spoke with was very nice. She informed me that by law medical debt should not be placed on your credit report. The reason being is that when applying for anything (even jobs) sometimes your credit report is pulled. Well if someone sees your medical information they may deny you for that reason and that is a HIPAA violation. She told me to go the dispute websites and choose other reasons and in the box where you can add more details simply write “HIPAA violation.” She said going through the CRA’s is much easy. If you go through the actual creditor will be a pain because they will just say no; we won’t delete it. She told me within 10-30 days the medical collections should be removed. Hopefully this works. I just thought I would let you know, and maybe this can help you.

[fontanaman]

Hi Christie,

Thanks for the info, I didn’t know about this. I was able to negotiate deletion off both accounts from my report (luckily the amount I owed was not much so I ended up paying). I’m still waiting for one of the collections to be removed, but supposedly it’ll be deleted in the next weeks. Have you disputed the collections from your report? Please let us know how it went.

[Christie0909]

I just filed the disputes today. She told me to give them about 10 days and then log in to check on the progress.

[Christie0909]

Okay. So I logged into my TU account today to check the status of my disputes. Apparently one of them was deleted but the other one was not. I’m not really sure why because they were sent to the same collection agency. Experian just says pending. I will get back to you whenever I get my results from Experian.

[Christie0909]

Experian did not take either one of them off.

[fontanaman]

Sorry to hear that. What happened to the other that had been deleted?

[Christie0909]

There are two bills. One was deleted from my TU account and neither from Experian. I am not sure why it just said status- deleted and that was it.

[fontanaman]

Hmm, that’s interesting. I wonder why TU took it off from your report but Experian left it.

[Christie0909]

I wish I knew.

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