Removing Collections Accounts (Medical)

[Anonymous]

I have 4 medical collections from breaking my arm in 2011.

I was in college/ worked part time had high deductable insurance but couldn't afford to pay some of the bills.

Looking to get possible mortgage in the coming months, so trying to clean up my credit.

Collection totals are $820, $1622, $294, $230. These are unpaid.

What would be the best course of action to getting these removed from my reports?

Thanks in advance for the help.

[Anonymous]

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@Anonymous wrote:

I have 4 medical collections from breaking my arm in 2011.

I was in college/ worked part time had high deductable insurance but couldn't afford to pay some of the bills.

Looking to get possible mortgage in the coming months, so trying to clean up my credit.

Collection totals are $820, $1622, $294, $230. These are unpaid.

What would be the best course of action to getting these removed from my reports?

Thanks in advance for the help.

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Speak with a mortgage broker first - they may not require them to be paid or removed.

Do you know the SOL in your state?

[Anonymous]

Im in Texas so SOL is 4 years.

I will talk to the lender and see what they say.

Current score is 670 so not bad, but want to get it as good as possible.

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[Anonymous]

Google whychat HIPAA process

[gdale6]

For unpaid medical debt that is reporting on your CR:

1. Call the OC and see if you qualify for Charity Care
2. If not then ask that they recall the collection in exchange for full payment
3. Send the reporting CA a PFD offer
4. Google the HIPAA Process and contact its creator for help