How to Remove Medical Collections

Last updated on June 6, 2023 / By 

Dealing with medical collections can be a stressful and overwhelming experience. However, it is possible to remove medical collections from your credit report and improve your financial standing. This step-by-step guide will walk you through the process of removing medical collections, helping you navigate the complexities and increase your chances of success.

Step 1: Review Your Credit Reports

Start by obtaining a copy of your credit reports from the three major credit bureaus: Experian, Equifax, and TransUnion. You are entitled to one free credit report per year from each bureau. Carefully review each report, paying close attention to any medical collections listed.

Step 2: Validate the Debt

Once you’ve identified the medical collections on your credit reports, it’s essential to validate the debt. Write a debt validation letter to the collection agency requesting proof that the debt belongs to you and that they have the legal right to collect it. Send the letter via certified mail with a return receipt to ensure it reaches the collection agency.

Step 3: Dispute Inaccurate or Unverifiable Information

If the collection agency fails to provide sufficient proof within 30 days of receiving your debt validation letter, the debt is considered unverifiable. In such cases, you have the right to dispute the inaccurate or unverifiable information with the credit bureaus. File a dispute with each bureau reporting the medical collection, providing any supporting documentation you have.

Step 4: Negotiate a Pay-for-Delete Agreement

If the debt is valid and you can afford to pay it, consider negotiating a pay-for-delete agreement with the collection agency. A pay-for-delete agreement involves offering to pay the debt in full or settle for a lesser amount in exchange for the collection agency removing the negative information from your credit reports. Ensure you get the agreement in writing before making any payments.

Step 5: Make Payments and Follow Up

Once you have reached a pay-for-delete agreement, make the agreed-upon payment to the collection agency. Ensure you keep a record of the payment, such as a copy of the check or a transaction confirmation. Afterward, follow up with the collection agency to ensure they fulfill their part of the agreement and remove the collection from your credit reports.

Step 6: Dispute Errors or Incomplete Reporting

Even if you’ve paid off the medical collection, there may still be errors or incomplete reporting on your credit reports. Carefully review your reports to ensure that the collection has been updated accurately. If you find any discrepancies, file a dispute with the credit bureaus to have the information corrected.

Step 7: Monitor Your Credit Reports

After taking the necessary steps to remove medical collections, continue monitoring your credit reports regularly. This will help ensure that the collections are accurately removed and that your credit information remains up to date. You can use credit monitoring services or request free annual credit reports to stay informed about any changes or potential issues.


Removing medical collections from your credit reports requires persistence, attention to detail, and effective communication with both collection agencies and credit bureaus. By following this step-by-step guide, you can take proactive measures to remove medical collections, improving your creditworthiness and overall financial situation. Remember to stay organized, keep records of all communications, and be patient throughout the process.

Frequently Asked Questions (FAQs)

Q: What are medical collections?

Answer: Medical collections refer to unpaid medical bills or debts that have been sent to a collection agency for collection. When individuals are unable to pay their medical bills within a certain period of time, healthcare providers may choose to enlist the help of a third-party collection agency to recover the outstanding amount.

Q: How do medical collections affect credit scores?

Answer: Medical collections can have a negative impact on credit scores. When a medical debt is sent to collections, it is typically reported to credit bureaus, and it can lower an individual’s credit score. This can make it more difficult to obtain loans, credit cards, or favorable interest rates in the future.

Q: Can medical collections be removed from credit reports?

Answer: Yes, it is possible to have medical collections removed from credit reports. In some cases, errors or inaccuracies in the reporting of medical collections can be disputed with the credit bureaus. Additionally, if the medical debt has been paid off or settled, individuals can negotiate with the collection agency to have the collection entry removed from their credit report.

Q: What are some ways to deal with medical collections?

Answer: There are several strategies individuals can employ to deal with medical collections. First, it is important to review the medical bills for any errors or discrepancies. If there are issues, contacting the healthcare provider to resolve the matter can prevent it from escalating to collections. If the debt has already been sent to collections, negotiating a payment plan or settlement with the collection agency can help manage the debt. Exploring options such as financial assistance programs, charity care, or medical debt forgiveness may also be beneficial.

Q: How long do medical collections stay on credit reports?

Answer: Generally, medical collections can remain on credit reports for up to seven years from the date of the original delinquency. However, in some cases, they may be removed earlier if successfully disputed or if the debt is paid off and the collection agency agrees to remove the entry. It is important to note that the impact of medical collections on credit scores diminishes over time, especially as newer positive credit behavior is established.

Q: Can medical collections affect the ability to get future medical care?

Answer: Having medical collections generally does not affect an individual’s ability to receive future medical care. Healthcare providers are primarily concerned with providing necessary medical treatment and do not typically deny care based on unpaid medical bills. However, it is important to address and resolve outstanding medical debts to maintain a positive relationship with healthcare providers and to avoid potential legal actions by collection agencies.

Q: Are there any laws or regulations governing medical collections?

Answer: Yes, there are laws and regulations that govern medical collections. In the United States, the Fair Debt Collection Practices Act (FDCPA) sets guidelines for how collection agencies can engage in debt collection activities, including medical debts. Additionally, the Health Insurance Portability and Accountability Act (HIPAA) protects patients’ medical information and limits how medical debts can be disclosed to third parties.

Q: How can individuals prevent medical collections?

Answer: To prevent medical collections, individuals should be proactive in managing their medical bills. This includes understanding their insurance coverage, reviewing medical bills for accuracy, and promptly paying any outstanding balances. If facing financial difficulties, it is important to communicate with healthcare providers to explore options such as payment plans, financial assistance programs, or charity care. Taking preventive measures and addressing medical bills early can help avoid the escalation of debts to collections.