Credit Repair In the Event of Unpaid Medical Debt

Life’s health challenges shouldn’t determine your financial future. With our customized credit repair services, you can regain stability and peace of mind.

Medical expenses often strike when least expected and leave families and individuals in financial turmoil. Have healthcare-related bills brought down your credit score? Are you struggling with unpaid medical debts? At AMERICA CREDIT CARE, we understand the unique vulnerabilities created by medical debt and provide a compassionate, strategic recovery pathway.

Start repairing your credit today with AMERICA CREDIT CARE!

Restoring Financial Stability After Medical Challenges

Our medical recovery route for credit repair is tailored to address:

Inaccurate medical debt reporting: We work to dispute credit report errors related to medical bills. The CFPB notes that medical debt information can be riddled with inaccuracies.
Health privacy laws: We ensure compliance with laws protecting the privacy of your medical information in credit reporting.
Debt management: Our team provides credit counseling to help you manage medical debt and explore relief opportunities.

With our customized credit repair services, our goal is to reduce the long-term financial impact of medical debt while helping fix your credit.

FAQs

How does medical debt affect my credit score?

Medical debt can negatively impact your credit score if it is reported as overdue or sent to collections.

A reputed credit repair company like AMERICA CREDIT CARE can dispute inaccuracies or help remove negative items like late payments, collections, and more to improve your credit score. Your medical history itself is not included on your credit report. Fortunately, several states have enacted laws to protect people from unfair practices in medical debt reporting.

Will medical debt appear on my credit report?

Yes, unpaid medical debt can show up on your credit report. As of April 2024, a CFPB (Consumer Financial Protection Bureau) report revealed that 15 million Americans had medical debt listed on their credit reports.

Following a 2022 CFPB study that estimated $88 billion in medical bills on Americans' credit reports, the three major credit bureaus—Equifax, Experian, and TransUnion—announced changes to medical debt reporting that included:

Extending the reporting grace period for medical bills in collections from 180 days to one year.
Stopping the reporting of medical bills that were in collections but have since been paid.
Removing medical debt under $500 from credit reports altogether.

How can AMERICA CREDIT CARE fix my credit if I have unpaid medical bills?

Medical debt is subject to strict credit reporting practices. As a leading credit repair company that has helped thousands of individuals improve their credit scores, we can assist you in removing inaccurate items that may be harming your credit score or contact your lenders on your behalf to request a goodwill removal.

We have many years of experience in evaluating credit and guiding consumers to assert their legal rights. We do it every day! We guarantee honesty and dependability, virtues which most people seem to have forgotten.

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We have many years of experience in evaluating credit and guiding consumers to assert their legal rights. We do it every day! We guarantee honesty and dependability, virtues which most people seem to have forgotten.