Most of our clients have hired multiple credit repair companies to dispute medical debts on their credit report.
They find that there is some success in disputing the older items that do not affect the credit score than much or the debt collectors no longer collecting on that item. Many are frustrated that not all the medical related debts have been removed from the credit report or that the medical facility or debt collector have refused to remove the negative remark from the credit report.
When we attempt to finalize a medical debt collection we contact the debt collector or underlying medical provider to obtain billing invoices and a complete history on the account. We will see if all offsets including insurance, insurance co-pay, previous payments, non-insured discounts, Medicaid / Medicare / VA benefits are appropriately applied. We will offer a possible settlement on your behalf to finalize the transaction.