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How To Remove Medical Bills From Your Credit Report Legally And For Good
Do you have medical bills and you can get them off your credit report to save your life?
A medical bill is one of the common debts that can be placed on your credit report. If you have been to a hospital or defaulted or been caught without insurance, you possibly have a medical bill on your credit report.
HIPAA Agreement
The Health Insurance pro-Ability Accountability Act (HIPAA) was put in place in 1996 to protect your personal information from being switched and shared between other third parties. Normally when you default a loan, hospitals sell your debt to a collection agency. They also sell your personal information along with it. When they do that, they voice the original contract and the HIPAA disclosure act.
Using the HIPAA disclosure act to dispute is powerful however you need to go about it in a certain sequence to yield higher rewards.
Removing your medical bills
To remove your medical bills, log in to Credit Approved, software that helps people clear their credit reports. Go to the credit disclosure act and create your letter asking for the validation of all fees associated with the medical debt and a copy of your signature they got from the hospital.
Send the letter to the creditors and not to the credit bureaus. Once you send the letter to the creditors, they are going to respond with how they obtained the debt. Take the original copy of the first dispute letter and a copy of the response they sent back to you and send another dispute to the credit bureaus.
Upon approving that they got your information without your permission, they will realize breaking the HIPAA disclosure. You can send the information to the credit bureaus reporting the debt and let them know this person has infringed on the HIPAA disclosure.
Once you send that information to credit bureaus, there is a 75% chance that you will get the items removed. If they don't reach out to you or remove the items, you can reach out to an attorney and a suit for breaking HIPAA.
The process can get aggressive. However, you must remain consistent with the process because once you stop, the creditors will win.
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