Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.

Sign in to follow this  

Medical Data System on Credit Report

Recommended Posts


Hope everyone is having a good night/morning.

I'm new to this forum.

I was looking over my credit report and noticed that I have a Medical Data collection posted this May 2020 from an accident I had last October 2019.

Would you recommend for me to pay the debt in full and request a pay for delete letter? Information seems accurate. 

I am in the process of applying for a mortgage and would hate for this to show. 

Its so upsetting!


Your help would be greatly appreciated.



Edited by shinelikewinter

Share this post

Link to post
Share on other sites

Welcome to Creditboards!

We hope that you find what you're looking for here.

Some helpful tips:

  • Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board.
  • If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros!
  • If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS.
  • Off -topic posts should go in the General Forum.


Again, welcome to the CreditBoards family!

 CB Admin:  Pam, MarvBear, radi8, LKH & 😇breeze😇


Share this post

Link to post
Share on other sites

Follow the guides;


https://whychat.me/GUIDE HIPAA PROGRAM.html

Send each CRA where this or ANY medical account is reporting this;



Get your EOMB ( explanation of medical benefits) from your insurance Co for the medical service referred to in this collection. Look for what was billed, what was allowed, what was paid and what (if anything) was left as patient responsibility.


Sometimes ( particularly when someone is mortgage shopping) JDBs ( junk debt buyers) will poison reports with invalid collection accounts. Paying them will just make things worse.

Once you have determined through the HIPAA letter program that the reporting CA has a VALID claim, and is in a CURRENT business relationship with the health care provider come back to this post for a method of paying the OC without damaging your report with a "paid" collection.


Come back to THIS post with the results of your following the above instructions.

Share this post

Link to post
Share on other sites

What is the amount of the bill? Do you have an interest in a personal injury suit arising from the accident? If so, the medical providers and insurance companies likely have a statutory lien against your interest in which case it may make sense to settle the debt with the original creditor rather than them coming for the full amount from your recovery.  PFD could be part of it to address the credit reporting.

Share this post

Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  

  • Member Statistics

    • Total Members
    • Most Online

    Newest Member

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information