Are you facing the effect of Unpaid medical bills on your credit? Are you searching to remove medical bills from credit reports?
How to remove medical bills from credit report questions is a common one for those with bad credit. If you are also one among them, then don’t worry anymore.
In this article, how to remove medical bills from credit report information with sample letter is provided. Let’s check them now.
Contents In Article
How To Remove Medical Bills From Credit Reports?
After how to remove negative items from the credit report, how can I get rid of this medical bill? In the eyes of the creditor, a collection account is treated as a PAID collection or an UNPAID collection.
A paid item reports differently than an unpaid item and both can affect your credit score.
If the medical bill is reporting as a paid collection, it means that you have already paid this charge and since they are unable to collect any more from you. They marked it as paid in full on your credit report. If the medical bill is reported as an unpaid collection then this account will remain on your credit report as long as the collector can continue to collect from you.
How Can I Remove Medical Bills From Credit Reports?
The Fair Credit Reporting Act (FCRA) gives consumers the right to dispute inaccurate information on a credit report.
However, you can only do this once a year. But it is possible how to remove medical bills from credit reports by sending the creditor a letter asking they update or delete the entry.
Here is how to remove medical bills from credit reports by sending the creditor a letter:
Sample Letter To Remove Medical Bills From Credit Reports
Date _______________________
To Whom It May Concern:
Please remove the following entry from my credit report: ___________________________________________________________________________. This account was incorrectly reported as unpaid and is therefore inaccurate according to the Fair Credit Reporting Act. I am requesting that you update or delete this entry from my credit report.
Please contact me at your earliest convenience with any questions or how do I remove medical bills on credit reports information.
Sincerely,
Your Name
By following how to remove medical bills on credit report steps above, it will affect how to remove medical bills on credit reports this information.
Conclusion
We hope you got the complete information on how to remove medical bills from credit reports. Feel free to ask how do I remove medical bills on credit reports by discussing it in the comment section. Stay tuned to Peryourhealth.fun for more information.