If MEDCAH, Inc. shows up on your credit report, it usually means a collection account has been added. Collection accounts can lower your credit score and stay on your credit report for up to seven years, so addressing them quickly is important.
Here’s what you need to know about MEDCAH and how to work toward removing their account from your credit report.
Who Is MEDCAH, Inc.?
MEDCAH, Inc. is a debt collection agency based in Kailua, Hawaii. They help businesses recover unpaid debts by collecting from consumers on their behalf.
If you see MEDCAH listed on your credit report, it means an unpaid account has been turned over to them for collection efforts.
Who Does MEDCAH Collect For?
MEDCAH works with businesses across several industries, focusing mainly on healthcare and public services. Their clients may include:
- Hospitals and Medical Centers
- Dental and Medical Practices
- Emergency Medical Services and Rehabilitation Facilities
- Laboratory and Diagnostic Services
- Radiology and Imaging Centers
- Telecommunications and Utility Providers
- City and State Government Agencies
If you’ve fallen behind on payments with one of these types of providers, your account may have been sent to MEDCAH for collection.
Is MEDCAH Legitimate?
Yes, MEDCAH is a legitimate debt collection agency. They are authorized to collect debts for their clients. However, it’s still important to verify the debt before making any payments, as credit reporting errors are common.
How to Remove MEDCAH from Your Credit Report
If you want to get MEDCAH off your credit report, here are the recommended steps:
- Dispute the Account: Review your credit report for incorrect details. If the account is inaccurate or outdated, file a dispute with the credit bureaus.
- Request Debt Validation: You have the right to ask MEDCAH to prove the debt is yours and that the amount is correct. Send a written debt validation letter within 30 days of their first contact.
- Negotiate a Pay-for-Delete: In some cases, you may be able to arrange a pay-for-delete agreement, where you pay the debt in exchange for the account being removed from your credit report. Always get any agreement in writing.
- Work with a Credit Repair Company: If dealing with collection agencies feels overwhelming, a reputable credit repair company can assist with disputing negative accounts and protecting your credit.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay MEDCAH?
Before contacting or paying MEDCAH, verify that the debt is valid, accurate, and legally enforceable. Making a payment can sometimes restart the clock on old debt, which may negatively affect your credit.
Many consumers prefer to have a credit repair professional handle communication with collection agencies to avoid common mistakes.
Can MEDCAH Sue You or Garnish Your Wages?
Debt collectors like MEDCAH can sue to recover unpaid debts. If they take legal action and win, they may be able to garnish wages, levy bank accounts, or use other legal tools, depending on your state’s laws.
Lawsuits are often a last resort, as they cost time and money. Collection agencies usually attempt to resolve the debt through letters, phone calls, or negotiating payment arrangements first.
MEDCAH Complaints
Like many debt collectors, MEDCAH has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Reporting inaccurate information to the credit bureaus
- Failing to validate debts when requested
- Harassment or aggressive collection tactics
If you experience harassment or inaccurate reporting, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing with MEDCAH
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect you from unfair collection practices. Your rights include:
- You can request written proof of the debt, and they must provide it within 30 days.
- They cannot report false or incomplete information to the credit bureaus.
- Harassment, threats, or abusive language are illegal.
- MEDCAH must clearly identify themselves as a debt collector in all communication.
- They cannot threaten arrest or jail for unpaid debts.
Knowing your rights helps protect you when dealing with debt collectors.
MEDCAH Contact Information
Address:
MEDCAH, Inc.
320 Uluniu St., Suite #5
Kailua, HI 96734
Mailing Address:
MEDCAH, Inc.
PO Box 1187
Kailua, HI 96734
Phone Number:
(808) 266-2020
Always communicate in writing and keep records of all correspondence.
Remove MEDCAH from Your Credit Report Today
Struggling with collection accounts like MEDCAH? A trusted credit repair company, such as Credit Saint, can assist with disputing negative items—and they even offer a 90-day money-back guarantee for peace of mind.
Visit their website or call (855) 281-1510 to learn more about your options.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
