New rules in 2023 changed how medical debt is reported. Paid medical collections are now removed, and unpaid medical debt under $500 is no longer reported.
Removing Medical Collections
Medical collections often have errors that can be disputed.
How to Calculate Debt Statute Limitations — Learn how to calculate debt statute limitations, identify the controlling state law, and respond carefully before a collector files a lawsuit against you.
How to Respond to Collection Summons Fast — Learn how to respond to collection summons paperwork, protect your defenses, meet court deadlines, and avoid a default judgment in a debt lawsuit now
Pay for Delete vs Dispute: Which Protects You? — Compare pay for delete vs dispute, learn when each approach makes sense, and protect your credit rights before responding to a collector or creditor first
Consumers are protected by several federal laws when dealing with credit reporting issues related to how to remove medical bill collections:
Fair Credit Reporting Act (FCRA) — 15 U.S.C. §1681: Requires credit bureaus to maintain accurate information and investigate disputes within 30 days. Consumers can dispute inaccurate items directly with bureaus or furnishers.
Fair Debt Collection Practices Act (FDCPA) — 15 U.S.C. §1692: Prohibits abusive, deceptive, and unfair debt collection practices. Collectors must validate debts upon request.
Credit Repair Organizations Act (CROA) — 15 U.S.C. §1679: Regulates credit repair companies and protects consumers from deceptive practices.
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Reviewed by Hemminger Law Firm, Consumer Rights Attorneys | Last reviewed: January 1, 2026
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