Remove Medical Collections From Credit Report

Why not just pay the bill now if you owe it?

I can promise you that they sent you more than 1 bill before it was sent to collections.

This is a collections from 3 years ago. I paid the collections off when I got the notice back then. Reading into it I see that might not have been the best thing to do. Just seeing if there’s anything to do to get it removed now.

MrsPop works in medical collections. It should not be on your credit report.

It’s 3 years old. Just ride it out and it’ll drop off.

Write a letter to the bureaus stating your case and what happened. State that it has since been paid and it was a mistake. In this case, when people actually take the time to address minor situations like this, they will usually remove it from your credit report.

Pay what you owe.

Had to go through this with my wife a year ago. She was in a wreck in college and the lady whose fault it was never paid so they stuck the bill on my wife. Called the collections company, just went ahead and paid it (like $150), and it was off her credit like 3 days later.

Recent changes to credit reporting should have kept that off your credit report. I didn’t think they put medical collections on there anymore.

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It’s 3 years old. Just ride it out and it’ll drop off.

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In Louisiana (and many other states) med bills have a 10 year Statute of Limitations, credit reports have 7 year though.

If you're trying to get credit approval for a home loan it'll need proof of payment (letter from the reporting entity) or removal. An actual written dispute of the debt will take minimum 30 days from credit reporting agencies (plural as all 3 will handle separately) receipt of dispute.

For other loans (car, cards, etc.) if $120 collection from 3 years ago is a deal breaker they don't want the business anyway and you're better off going elsewhere where you'll be valued. As common sense dictates $120 ain't throwing anyone into bankruptcy, so a lender lacking common sense...

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So from what I understand HIPPA

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It's HIPAA people!