debt  legal


Question by  VenkateshB (17)

What do you write on a formal letter to a credit report to have medical bills that have been paid removed from the report?

I have several paid medical bills showing on my credit report that I would like removed.


Answer by  flamiss22 (5081)

As long as you have proof make copies of the paid off bills and sent a registered copy to the three main reporting agencies and tell them they have thirty days to investigate and then remove the bills from your record. According to credit laws they have to.


Answer by  Cyndael (338)

First you need documentation showing that those bills have been paid off. Hopefully you have a letter from the reporting agency to show you have paid. Then write what efforts you have already taken to get this item removed by the company that reported you in the first place.


Answer by  Manda (1103)

In the letter, write the name of the company that you "owe" and provide a copy of the receipt of the bills that are paid.


Answer by  patti (29325)

The credit bureaus will pick up the information that the bills have been paid, but the fact that they were previously delinquent will remain on your credit report.

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