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How do you get medical bills off your credit report?


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Answered 2009-06-18 17:11:49

There are services that can help get things off of your credit report. One that I know of that offers a free credit review is Total Credit Care. The website is www.mytotalcreditcare.com. Best of Luck to you!

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Unpaid medical bills are on your credit score until they are settled with the company that issued the bills or written off of the credit report. This could be for many years if you are making payments on the account or might end more quickly if you have declared bankruptcy.


You can only remove bills if you pay them or if the bills are listed incorrectly on your credit report. It is best to pay them off and then the bills will not be listed as delinquent.


The required seven years, the entry should be marked "paid or settled".


i need to get a repossession off my credit report


Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.


To improve you credit score for an auto loan, you need to pay off your bills on time. You should pay off your debt. You should not take out additional credit and you should check your credit report.


All valid negative entries on a credit report remain for the required time limit. Medical bills that were referred to collections would remain on the report for 7 years even if they are paid. The impact of paying a debt upon one's credit score cannot be determined as scores are based upon the consumer's entire credit history.



A foreclosed home can take seven years before it is taken off your credit report. You can build your credit back up in about three years if you continue to pay all your bills on time.


I doubt there is such a thing. Don't pay and your credit is trashed. They may eventually write you off as a "bad debt" but your credit will still be garbage.


If Its off your credit report ,and rental history you can stop clamming today!


The lenders will look at the "overall" picture. What they will do is take into consideration if the medical bills were paid off. If they were not paid off your rating will suffer. If they were paid off, and it has been several years (I will say over 2 years) and all your other debts are paid on time (no 30 days late) and your debt to income ratio is not excessive (not more than say 40% of income) and you do not carry debts that are more than 30% of the available credit (some will go as high as 50%) then you may get a reasonably good score, somewhere around 680 to 700 points.


If the account is legitimately yours, then you cannot legally have it removed from your credit report. However, if you paid the collection account off, it should be reported as paid on your credit report. Still, the accounts will not be removed from your credit report for 7 years.


Yes, you will be held responsible for those old bills until you pay them off or include them in a chapter 7 bankruptcy. They will also record on your credit report until they are paid off.


A bankruptcy will remain on a credit report for the required ten years, it cannot be removed arbitrarily.


It should rotate off of your credit report about 7 years after being discharged. It cannot be removed.


No you cannot remove a repossession off your credit report if your cosigner has a judgement on the repossession.


A charged off account is similar to a collection on your credit report. The creditor has written off the debt owed and closed the account. The debt is still valid though and can be collected on. The charge off will lower your credit score unless removed. You can dispute a charge off and this give the credit bureaus 30 days to verify the charge off or it must be removed from your credit report.


If you didn't actually declare bankruptcy, you can report the error to the credit bureaus. If you did declare bankruptcy, you'll have to wait for it to age off.


Yes it can. You should agree to pay it only if there is an agreement to not report it to the credit reporting agencies.


Negative entries on your reports, except for bankruptcies, can only be reported for 7 years +180 days from the date of first delinquency that immediately preceded placement for collection and/or charge-off. If there are negative entries that are beyond this period, dispute them as obsolete with the credit bureuas.


Only the original creditor or the credit bureaus can remove a charge off from a credit report. You can negotiate to have them removed with the original creditor if they will let you. You can also dispute it to the credit bureaus and they will have 30 days to verify the listing or it must be removed from your credit report.


If it isn't on your credit report, the credit card company still has hopes of you paying it off. When they see that isn't going to happen, you can bet your butt that it WILL be on your credit report.


A good credit history will remain on your report. The negative credit reported will usually fall off in around 7 years. Judgments will stay on your credit report until they are satisfied.


Besides paying your debts off or filing bankruptcy if you are unable to pay off these debts there is nothing you can really do to clear them from your credit report. Most debts stay on your credit report for seven years.



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