Daniel Rosen walks through three steps to remove medical collections from your credit report: dispute with the bureaus, demand validation from the collector, and if they respond with medical details, send a HIPAA violation letter to force deletion.
Hey, I have this medical collection on my credit report and it's bringing my score down. How do I get rid of it? I got you. There's three steps you need to follow. First, use a letter like this one to dispute the collection with the credit bureaus. If they verify it, then move on to step two. Demand validation with the debt collection agency using a letter like this one. If they aren't able to verify it, you got your deletion. On the other hand, if they verify it, that's where it gets fun. See, debt collection agencies aren't supposed to have access to the specifics of your or health information. So if they respond with that information, they're in big trouble. So just send a letter like this one right here and because they're in violation with HIPAA laws, they'll have to delete it. Wow, this is so genius. Where'd you learn this? I follow credit repair cloud.
