I have alot of old medical bills that are negative on my credit score...is there any way to get them off?

Question

Most of these are from 2001-2002. I also have some other silly stuff on there, but my score is really bad...what can I do?

Answer 1

you can file bankruptcy

the negative reports will come off your report 7 years from the date of entry into the credit reporting agencies

so the 2001? will come off 2008 IF you do NOt pay any more payment

Answer 2

If you do absolutely nothing and do not pay your medical bills, the information will fall off of your credit report seven years from the date of last activity. That means your medical bill in 2001 will fall off in 2008 and your medical bill in 2002 will disappear from your credit report in 2009.

If you want to speed the process up and try to get them to disappear sooner - there are a couple things you can try. If you have some spare cash available, you could try contacting the creditor/collection agency and offer to pay the bill off in exchange for removing the negative item from your report. They may or may not agree. If they do agree, make sure to get the agreement in writing before paying anything.

You could also try disputing the item through the credit bureaus. If you dispute the item, the creditor/collection agency has 30 days to validate the debt. You may get lucky and have it not validated and then it disappears! Usually though, the creditor will notify the bureaus that the debt is valid. If that happens, I will give you a link below that will tell you how to proceed from there!

Some of the other people's advice here is WAY off base - you do NOT have to pay this off for it to disappear from your report. Get a credit report from Transunion - it will tell you when these medical bills will fall off. In fact, paying your old charge-off/collection account will make it appear as a more recent bad debt, and will make your credit score worse! Filing bankruptcy on these old debts is just plain silly.... as komputerzrkool said, the statute of limitations has probably already passed on these debts, so they can't sue you if that's the case. They also won't be on your credit report much longer!

Answer 3

These medical bills will come off your credit report after seven years provided that you have not made any payments during that time frame. Otherwise, that debt will renew. Considering that they are from 2001-2002, just wait. They'll soon be taken off. Just don't do anything stupid like declare bankruptcy. There is also a statute of limitations. Depending on what state you live in, the statute of limitations could have already run out on those medical bills provided that you do not pay that debt. Otherwise, the debt will be renewed.

Answer 4

Unfortunately it takes 7 years for them to fall off. I had some medical problems in college and i couldn't pay them off right away either. It happens. The best thing to do is just wait. Your credit score will eventually go up as long as you don't have any more problems.

Answer 5

Try paying your bills. Thats the best way to get them off. Whats 'silly stuff?' Your credit score is probably bad because you call not paying your debts 'silly stuff.'

Answer 6

You can pay them off, and they will miraculously vanish seven years later. That may sound a bit simplified and perhaps harsh, but these items will remain there UNTIL you do something about them. "Something" means making arrangements for payment or settlement in some fashion.

MoParMuscle is correct only to a point. You can expect that, shortly, the creditor involved will sell your accounts to a collection agency and your seven year time frame will start ALL OVER again as soon as the collection agency gets it.

Answer 7

if they are paid off, call them and see if they will do that for u

Answer 8

ever think that paying them , would help ?