Medical collection accounts can be removed from your credit report under certain circumstances. Here are four reasons why they might qualify for removal: 1. Paid Medical Collections: Under the current credit reporting rules, paid medical collection accounts are generally removed from credit reports. If you’ve paid off the debt, you can dispute the account with the credit bureaus to have it removed. 2. Account is Less Than 1 Year Old: As of July 2022, medical debts under $500 are no longer reported to credit bureaus until they’ve been delinquent for at least 12 months. If your account was reported prematurely, you can request its removal. 3. Errors or Inaccuracies: If the medical collection account contains errors (e.g., incorrect balance, wrong dates, or it isn’t yours), you can dispute the account with the credit bureaus. The Fair Credit Reporting Act (FCRA) requires accurate reporting. 4. Insurance Should Have Covered It: If the medical bill should have been covered by your insurance but wasn’t properly processed, you can dispute the collection account after resolving the issue with your healthcare provider or insurer. If you believe one of these reasons applies to your situation, you can dispute the account directly with the credit bureaus or work with your healthcare provider to address any issues. If you’d rather have me and my team do all the disputing for you DM “fix me”
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