How To Delete Medical Collections From Credit Report

Find out how to delete medical collections from your credit report

There are 3 ways to delete medical collections from your credit report: 1) Send a goodwill letter asking for relief, 2) Negotiate to delete the reporting of the medical bill in return for payment (also called a Pay For Delete), 3) dispute the account until it’s deleted.

The best way to delete medical collections is to follow this step-by-step process:

  • Write and send a goodwill letter asking for relief (explain your situation)
  • Call and attempt to negotiate a deletion in return for payment (Pay for Delete)
  • Mail the collector asking for proof of your debt
  • File a dispute (online or by mail) with Experian, TransUnion, and Equifax to verify the account
  • If none of the above work, decide if paying is worth it (remember: it doesn’t help your score)

Get Your Medical Bills Professionally Removed

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