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MEDICAL DEBT CREDIT REPORTING: CHANGES ARE HERE, MORE ARE COMING #2 In A 3 PART WHITE PAPER SERIES GENERAL SERVICE BUREAU, INC., Omaha, Nebraska, April 9, 2015 www.gsbcollect.com By: Sara KomenBonifant,

How to fill out medical debt credit reporting

How to fill out medical debt credit reporting

1. Start by requesting your credit report from the major credit bureaus (Equifax, Experian, and TransUnion). You can do this online, by phone, or by mail.
2. Review your credit report carefully and locate any medical debts that have been reported. Make note of the information regarding each debt, such as the name of the creditor, the account number, and the amount owed.
3. Contact the medical provider or hospital directly to obtain detailed information about the debt. This may include requesting itemized bills, insurance claim forms, or any other relevant documentation.
4. Verify the accuracy of the debt by comparing the information provided by the medical provider with the information reported on your credit report. If you find any discrepancies or inaccuracies, gather supporting evidence to dispute the debt.
5. Write a letter to the credit bureaus explaining the errors or inaccuracies in the medical debt reporting. Include copies of the supporting evidence and clearly state why you believe the debt should be removed or corrected.
6. Send the letter and supporting documents to the credit bureaus via certified mail with a return receipt requested. This will provide proof of your dispute and ensure that the credit bureaus receive your correspondence.
7. The credit bureaus are required to investigate your dispute within 30 days of receiving your letter. They will contact the medical provider to verify the debt and update their records accordingly.
8. Once the investigation is complete, the credit bureaus will send you a written response detailing the outcome of the dispute. If the medical debt is found to be inaccurate or unverifiable, it should be removed from your credit report.

Who needs medical debt credit reporting?

1. Individuals who have accrued medical debts and want to ensure that their credit report accurately reflects their financial situation.
2. People who have been contacted by debt collectors or have received notification of medical debt reporting on their credit report.
3. Those who are planning to apply for loans, mortgages, or other forms of credit and want to improve their credit score by resolving any medical debt issues.
4. Patients who have experienced billing errors, insurance claim denials, or any other issues related to medical debt that have negatively impacted their credit.
5. Anyone who wants to maintain a good credit history and avoid potential difficulties in obtaining credit in the future due to medical debt reporting.

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What is medical debt credit reporting?

Medical debt credit reporting is the process of reporting medical debts to credit reporting agencies.

Who is required to file medical debt credit reporting?

Healthcare providers and facilities are required to file medical debt credit reporting.

How to fill out medical debt credit reporting?

Medical debt credit reporting can be filled out online through credit reporting agencies.

What is the purpose of medical debt credit reporting?

The purpose of medical debt credit reporting is to inform credit bureaus of outstanding medical debts.

What information must be reported on medical debt credit reporting?

Information such as patient's name, date of service, amount owed, and contact information must be reported on medical debt credit reporting.