Fix Credit Report - Medical Collections

Medical collections on your credit report will hurt your credit score. There are major issues out there with the insurance claim process. Typically when you go to the doctor and you use your insurance, you would think there will not be problems after you pay your co-pay. I will be the first to tell you that there will be problems if the person filing the claim with your insurance company codes the claim incorrectly. Did you ever think that you would have to do worry about someone filing a medical claim correctly on your behalf? If you thought no, I would have to ask you to think again. The filing process in the medical field is a joke. They typically have someone making minimum wage doing this job, and if your insurance provider does not like the claim they will not pay it and the doctor will come after you for the bill. So you are now forced to be a medical claim specialist, but without the minimum wage pay.

Let’s assume you just ignored the medical bills being sent to you because you assumed your insurance covered it. During a 2 to 3 year period you accumulated 5 to 6 medical collections on your credit report. Now you have credit issues, because someone else did not perform there job correctly. Here is what you can do to fix this problem.

* Get the medical claim number from the collection company.
* Call your medical insurance provider and discuss what the problem was.
* Get something in writing from the collections company to delete collection from all 3 credit bureaus after you verified there was a code filed wrong.
* Once you receive the letter from the collection company, mail it certified mail with a dispute letter. This typically will take 30 days to delete.
* After 60 days re-pull your credit report and see if all 3 credit reporting agencies have removed the collection.


This is a simple process and can be applied to other types of collections. You will hear at times that it’s not necessary to pay off medical collections. Yes for certain types of loans you don’t need to pay off medical collections. It is necessary to pay off medical collections for long term credit health reasons. Your credit report will look much better without any collections, and so will your credit score.

Addresses for Credit Bureaus:

Equifax
P.O. Box 740256
Alanta, GA 30374

Experian
NCAC
P.O. Box 9595
Allen, TX 75013

Trans Union
P.O. Box 2000
Chester, PA 19022-2000

About the Author: Mike Clover is the owner of http://www.creditscorequick.com/. CreditScoreQuick.com is the one of the most unique on-line resources for free credit score report, Internet identity theft software, secure credit cards, and a BlOG with a wealth of personal credit information. The information within this website is written by professionals that know about credit, and what determines ones credit worthiness.