Hospital bills turn become derogatory after a certain period of late or non-payment. These will be sold to collection agencies and reported as collection accounts after 180 days. Even if you pay back the hospital, your score will be damaged up to 100 points.
There are 3 primary ways to get a hospital collections account off your report.
- Contact them directly and pay off your debt.
- Contact all 3 credit bureaus and get them to remove it.
- Contact a Credit Repair agency (like Credit Glory) to help you dispute (and remove) it.
Generally, option #3 works great for people because it's a hands-off approach that allows experts to assist in removing collections.
Get Your Collections Removed Professionally
In some cases, we recommend speaking with a Credit Repair professional to analyze your credit report. It's so much less stress, hassle, and time to let professionals identify the reasons for your score drop.
If you're looking for a reputable company to increase your credit score, we recommend Credit Glory. Call them on (866-529-4304) or setup a consultation with them. They also happen to have incredible customer service.