Is MEDCAH hurting your credit score?

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Who is MEDCAH?

MEDCAH, Inc. is a debt collection agency based in Kailua, Hawaii. Their primary role is to assist businesses in collecting debts that have remained unpaid despite previous attempts by the creditors.

If you see MEDCAH listed on your credit report as a collections account, it indicates you have an outstanding debt that’s been transferred to them for collection. This typically occurs when a bill remains unpaid for an extended period.

Who does MEDCAH collect for?

MEDCAH specializes in debt collection for a range of sectors, particularly in the healthcare and public service industries. They work with dental and medical practices, emergency medical services, hospital and medical centers, and rehabilitation facilities to recoup unpaid patient bills.

They also assist laboratory & diagnostic services and radiology & imaging services in collecting their due payments. Beyond healthcare, MEDCAH provides its services to state & city agencies, as well as telecommunications & utility companies, collecting overdue debts on their behalf.

Is MEDCAH legit or a scam?

MEDCAH is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove MEDCAH from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

MEDCAH, Inc. Contact Information


320 Uluniu St. Ste #5
Kailua, HI 96734

Mailing Address:

PO Box 1187
Kailua, HI 96734

Phone number: (808) 266-2020

Should I contact or pay MEDCAH, Inc.?

Before contacting a third-party collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with MEDCAH is to work with a credit repair professional. They help remove millions of negative items every year from companies like MEDCAH, Inc. on behalf of their clients.

Will MEDCAH, Inc. sue me or garnish my wages?

MEDCAH, Inc. can legally file a lawsuit against you for the unpaid debt. If MEDCAH, Inc. wins a lawsuit against you, they could obtain a judgment. This judgment may grant them the right to garnish your wages or levy your bank account. Other methods of debt collection might also be used. However, what is allowed will depend on the laws in your state or jurisdiction.

However, it’s important to note that initiating a lawsuit can be a time-consuming and costly process for collection agencies, and it’s not always their first choice for collecting a debt. Often, they may prefer to negotiate a payment plan or a settlement.

MEDCAH, Inc. Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with MEDCAH, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for MEDCAH to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • MEDCAH may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • MEDCAH must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • MEDCAH cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove MEDCAH Collections From Your Credit Report Today!

Credit Saint can assist you in disputing MEDCAH collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

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