Medical Collections
How to Remove Medical Collections From Your Credit Report
Medical debt is the #1 collection type on American credit reports. The rules changed in 2023 — and most consumers don't know they qualify to have it removed entirely.
Your position on the board
A medical collection is a captured piece you never agreed to lose. Under the current bureau rules, most of them shouldn't even be on the board.
Your move
Bishop move — long diagonal review of your file.
Upload your report — we'll flag every medical collection that qualifies.
Upload Your Credit ReportThe 2023 rule changes that work in your favor
Paid medical collections must be removed from credit reports. Unpaid medical collections under $500 are no longer reported. Medical collections must age 12 months before they can appear at all.
Step 1: Identify every medical collection on your file
Pull all three bureaus. Medical collectors often report under different DBA names; we trace each one back to the original provider.
Step 2: Dispute under HIPAA and FCRA
Medical collectors frequently violate HIPAA when they share itemized diagnosis codes with the bureaus. That's leverage. We pair it with FCRA accuracy disputes for maximum removal rate.
Step 3: Negotiate pay-for-delete on what won't dispute
When dispute fails, we negotiate written pay-for-delete agreements — often at 20–40 cents on the dollar — before any money changes hands.
Frequently asked
Do I have to pay a medical collection to remove it?
Often no. Paid medical collections must be removed, and many unpaid ones qualify for dispute removal under HIPAA and FCRA without paying.
Will removing medical collections raise my score?
Yes — especially on FICO 9, FICO 10, and VantageScore 4.0, which weight medical collections less. Older FICO models still see a meaningful lift.
What if the collection is from a hospital I never visited?
That's identity theft. We file a police report, an FTC identity theft affidavit, and 4-method disputes to force immediate removal.
Your move
Bishop move — long diagonal review of your file.
Ready to make the move?
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