HDTutorial
EN
How to Easily Remove Medical Debts from your Credit (Free)

Playback starts YouTube’s embedded player (privacy-enhanced mode).

How to Easily Remove Medical Debts from your Credit (Free)

74,873 views October 25, 2019 7:13

Watch on YouTube
ChannelFancy but Frugal

Description from the creator

When it comes to your credit report, medical debt is depressing. Something awful happens to you or your family member, then you have to deal with a massive bill. If you can’t, it’ll go to collections, and your credit gets trashed.

In this video, I explain 4 ways you can remove medical debts from your credit report. Two are good, two aren’t so good. I also have accompanying numbers from users of Novita to show you how successful other people have been with each of these methods.

HIPAA Method. 7/23 were successful - 30% success rate.
The first way is to contact the collections company and ask for validation of the debt. Sometimes the collections company makes a mistake, and they end up violating HIPAA. These violations are expensive, and you have every right to sue them, so they’ll drop the item from your credit report.

Standard disputes. 0/12 were successful - 0% success rate.
The second way is to just dispute the medical debt straight up. This is what some credit repair companies try to do, and it never worked for my users. Not to say it won’t work at all, but in our data, no luck.

Pay collections. 8/8 were successful - 100% success rate.
The third way is to pay collections, then dispute the item from your credit report. Once the collection is paid, there’s nothing to report, and it’s dead easy to get the item removed from your credit report. The downside? You need to actually pay, and it can take a while to come up with the money.

Do nothing. 0/0 were successful
You can always just wait for the collection to age out of your credit report but, you know, that takes a while :).

About this tutorial

Fancy but Frugal published this 7:13 video tutorial on October 25, 2019. It has been watched 74,873 times on YouTube.

Category
Education
Duration
7:13
Published
October 25, 2019
Views
74,873
Likes
3,462

Tags

Share

Further reading

  • “How to Remove Medical Collections from Your Credit Report ... badcredit.org

    Upon receiving a consumer dispute, the credit bureau has 30 days to investigate its validity and respond to the consumer. If the investigation concludes that the medical debt was placed on your credit report incorrectly…

  • How To Legally Remove Medical Debt Collections From Credit Report bettercreditguaranteed.com

    How To Remove Medical Debt Collections From Credit Report… I am going to show you exactly what you need to do to audit your credit and remove a medical debt collection account from your credit report. First, you need to…

  • Remove Medical Bills on Your Credit Report (Proven Tips) crediful.com

    How Medical Bills Affect Your Credit. The good news is that medical debt only has an impact on your credit if it gets sent to a collection agency and they report it to the major credit bureaus. The bad news is that ther…

  • #1 Way To Delete Medical Collections (From Credit Report) creditglory.com

    There are 3 ways to delete medical collections from your credit report: 1) Send a goodwill letter asking for relief, 2) Negotiate to delete the reporting of the medical bill in return for payment (also called a Pay For…

  • How To Handle Medical Bills on Credit Reports | Credit Karma creditkarma.com

    In a Nutshell Medical bills generally don’t appear on credit reports until they’ve gone unpaid for at least 180 days. But once an unpaid medical bill goes to collection, the collection account can appear on your credit…

This tutorial in other languages