Medical Debt Removal Services

Medical debt occurs when you receive healthcare services and are unable to pay the resulting bills. Unlike other types of debt, medical debt often results from unexpected emergencies, confusing billing practices, and the complexity of insurance coverage. Many people don't even know they have medical debt until it appears on their credit report. Bills may be sent to old addresses or get lost in the shuffle between providers and insurance companies. Medical collections are particularly common because of the fragmented nature of healthcare billing.

We leverage recent changes in credit reporting rules that significantly benefit consumers with medical debt. We verify that paid medical collections have been removed (as they should be under current rules), ensure that medical collections less than one year old aren't appearing on your report prematurely, and dispute any medical debt under $500 that should no longer be reported. We also check for common medical billing errors such as duplicate charges, services not received, and amounts that should have been covered by insurance.

Medical debt is the leading cause of bankruptcy in America, and medical collections appear on millions of credit reports. The good news is that recent changes to credit reporting have made it easier to remove medical debt from your credit report. Starting in 2023, the three major credit bureaus stopped reporting paid medical collections and now wait one year before reporting unpaid medical debt. Our service helps you take full advantage of these changes.