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How do I get rid of medical collection reports on my credit score?

k24
New Visitor

How do I get rid of medical collection reports on my credit score?

I have 2 medical collection reports on my credit score, one is from a year ago and one is from 6 months ago. If I am to pay these off, is there any way to get them deleted from my report? They are with the same collection agency.Thanks!

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4 REPLIES
Valued Contributor

Re: How do I get rid of medical collection reports on my credit score?


k24 wrote:

I have 2 medical collection reports on my credit score, one is from a year ago and one is from 6 months ago. If I am to pay these off, is there any way to get them deleted from my report? They are with the same collection agency.Thanks!


i have found med col easy to get removed your could try a PFD or a GW letter....since mine were already paid i had to take the GW route and within 2 weeks of sending the GW the were off of my CR

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Message 2 of 5
Valued Contributor

Re: How do I get rid of medical collection reports on my credit score?

Since you have not paid them yet, I would call or write them and ask for a PFD, but make sure you get in writing any agreement that you come to before paying one cent.

 

Best of Luck.


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

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Message 3 of 5
New Contributor

Re: How do I get rid of medical collection reports on my credit score?

beb86

 

I am trying to get a paid medical collections off my account. I already spoke to a supervisor at the CA, but they said they are not able to delete the information my credit report. I just wanted to ask you... Before you sent out your GWs, did you speak to someone about deleting the TL from your CR?

Message 4 of 5
Regular Contributor

Re: How do I get rid of medical collection reports on my credit score?

Follow the HIPPA process...

 

1st - Opt-Out

2nd - Pre-HIPPA Letter to CRA's

Starting: 547 +Score EX, 541 MyFico EQ,562 MyFico TU (Dec 2nd)

Current: 736 FCR "EX" (Nov. 5th), 668 MyFico "EQ" (Nov. 5th), 748 MyFico "TU" (Nov. 5th)

CC: BB&T $2,500 CL 3/2013, BarclayCard $3,000 CL 4/2013, WellsFargo $300 CL 7/2012 & Cap1 $451 CL 5/2012

Goal Score: 800's Rank
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