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Help with Medicredit

New Visitor

Help with Medicredit

Good afternoon to all. I am new to the Forum and was wondering of anyone could help me with some collection accounts I have with Medicredit. The accounts are for 449, 151, 309, 309, 772 and 280. I know some people have had luck with PFD but I don't really know how to get started. Could I offer to pay off some of the accounts now and the rest later or maybe ask for a settlement agreement where they will delete the accounts from my credit report. Any help would be great. Thanks in advance.
Message 1 of 4
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Established Contributor

Re: Help with Medicredit

They were super easy to work with in my case. Just call and offer to PIF the ones that you can in exchange for deleting them. They will delete each one as you pay them off. Good luck!


Alex1234 wrote:
Good afternoon to all. I am new to the Forum and was wondering of anyone could help me with some collection accounts I have with Medicredit. The accounts are for 449, 151, 309, 309, 772 and 280. I know some people have had luck with PFD but I don't really know how to get started. Could I offer to pay off some of the accounts now and the rest later or maybe ask for a settlement agreement where they will delete the accounts from my credit report. Any help would be great. Thanks in advance.

 

Thank you myfico for teaching me about the credit game!
Message 2 of 4
New Visitor

Re: Help with Medicredit

Spoiled,

How did you goi about doing it? Do I wrote a letter or just call?
Message 3 of 4
Moderator

Re: Help with Medicredit


Alex1234 wrote
Good afternoon to all. I am new to the Forum and was wondering of anyone could help me with some collection accounts I have with Medicredit. The accounts are for 449, 151, 309, 309, 772 and 280. I know some people have had luck with PFD but I don't really know how to get started. Could I offer to pay off some of the accounts now and the rest later or maybe ask for a settlement agreement where they will delete the accounts from my credit report. Any help would be great. Thanks in advance.

Im going to assume these a medical collections:

 

For unpaid medical debt that is reporting on your CR:

1. Call the OC and ask that they recall the collection in exchange for full payment
2. Send the reporting CA a PFD offer
3. Google the HIPAA Process and contact its creator for help

 

The gold standard is to get a PFD in writing some may give it others may not and just give you a verbal yes they will, dont let it stop you a verbal agreement is just as binding as a written one and if you have the capability record the call they most certainly are. I would start with written mailed PFD. Welcome to My Fico and good luck Smiley Happy

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
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