Medical debt: the rules changed in your favor
Recent CFPB and bureau changes mean most medical collections shouldn't be on your report at all.
Medical debt used to be the largest single source of collections on consumer credit reports. Starting in 2022 and finalized in 2023, the three bureaus agreed to remove paid medical collections entirely, delay reporting of unpaid medical collections for one full year, and stop reporting any medical collection under $500.
That means if you have a paid medical collection on your report today, it should not be there. Dispute it with the citation that all three bureaus removed paid medical collections as of July 2022. Most are deleted on the first pass without escalation.
The rest of this is inside the portal
The step-by-step tactics, exact wording, and escalation sequence live in your Fix My Reports workspace, where they're applied to your own report items. Start with a $1 trial, then $50/month — cancel anytime.