Will my Paid-in-full medical bill come off credit report

[JMMS]

They say I owe $1150. I want to pay it. My understanding is that from April of 2022 they credit bureaus removed any medical bills from consumer credit reports under $500 - AND any PAID IN FULL medical bills as of 2023. Does anyone know if I pay this bill IN FULL, the credit bureaus are obligated to remove this from my credit report by their own ‘new’ policy? Meaning, is this an on-going permanent policy moving forward - past the mass removals from 2022? Tough to find and answer in this.

[MarvBear]

Welcome to CreditBoards.

[A Credit Ed]

I think this is an ongoing thing, not just a one-off in 2022.

 

The way I read this article from CFPB, paid in full and/or under $500 should be removed and if not removed can be disputed off:  https://www.consumerfinance.gov/about-us/blog/medical-debt-anything-already-paid-or-under-500-should-no-longer-be-on-your-credit-report/

 

From Experian website: "when you or your insurance company pay off a medical bill that was in collections and that payment is reported to the credit bureaus, the account will be removed from your credit reports."  https://www.experian.com/blogs/ask-experian/medical-debt-and-your-credit-score/

 

From Equifax website: "Effective July 1, 2022, paid medical collection debt is no longer included on U.S. consumer credit reports."  https://www.equifax.com/personal/education/credit/score/can-medical-debt-impact-credit-scores/

[Why Chat]

What was the date of medical service?? If it is over 2 years ago you do NOT and should NOT pay a dime.

 

Follow this program:

 

https://whychat.me/GUIDEBOOK.html

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

 

This will get it deleted from your reports.

 

For further questions post on this thread the date of medical service, if you had insurance, and if you DID have insurance get your EOMBs (explanation of medical benefits) from your insurance Co.