Verified Collections Expert
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)
Can & Do Medical Bills Affect Your Credit?
Medical bills can appear on your credit report, but only after they've gone unpaid for 180 days. After that, it appears as a collection, which hurts your score and stays on your credit for 7 years.
How Do I Negotiate A "Pay To Delete" Medical Collections Off My Credit Report?
You can negotiate with the collections agency to have your debt removed from your credit report once it's been paid off. To get one, contact the collection agency and negotiate a settlement in writing.
How Long Do Medical Collections Stay On Your Credit Report?
Medical debt stays on your credit report for seven years.
How To Dispute A Medical Bill Collection Debt On Your Credit Report?
To dispute a medical collection bill on your credit report, you need to show that the debt does not match what's reported on your credit report.