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Dispute Strategies

Disputing Medical Records

Most hospitals and physicians do not report your payment history to the credit bureaus, mainly because they wish to avoid paying fees for reporting payment histories. But, if an uncollectible medical debt is sold to a debt collector, the account will most likely end up reported in your credit history.

The good news is medical debt is easy to dispute. Why? Due to medical insurance fraud, the law requires that specific information be maintained to prove a claim is legitimate. Since most collection agencies do not have the information required, they will be unable to verify the debt and the entry must be removed from your credit file. Ask the collection agency to provide a copy of your driver's license. If a collection agency or a medical provider can't prove your identity, you can claim the charge is not yours.

> Strategies for Removing a Bankruptcy Record