Seeing Medical Data Systems pop up on your credit report can be frustrating—especially if it’s hurting your score. Here’s what you need to know to deal with them and clean up your report.
Who Is Medical Data Systems?
Medical Data Systems, Inc. (MDS), also known as Medical Revenue Service, is a debt collection agency based in Vero Beach, Florida. They focus on collecting unpaid medical bills on behalf of healthcare providers.
If MDS is listed on your credit report, it likely means a hospital, doctor, or clinic sent your account to collections after it went unpaid.
Who Does Medical Data Systems Collect For?
Medical Data Systems works exclusively in the healthcare industry. Their clients include:
- Hospitals
- Clinics
- Private medical practices
- Healthcare networks
They handle overdue medical bills and other healthcare-related debts.
Is Medical Data Systems Legitimate?
Yes, Medical Data Systems is a real debt collection company. They’ve been in business since 1988 and are legally allowed to collect debts for healthcare providers. Still, it’s important to verify any debt before paying to ensure it’s valid and accurate.
How to Remove Medical Data Systems From Your Credit Report
Collections accounts can lower your credit score and stay on your report for up to seven years, but you may be able to remove them sooner:
- Dispute inaccurate information: If there are errors, file a dispute with the credit bureaus.
- Request debt validation: You have the right to demand written proof that the debt is yours.
- Negotiate a pay-for-delete agreement: Some collectors agree to remove the account if you pay or settle the debt.
- Hire a credit repair service: Professionals can challenge negative marks and work to restore your credit.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Medical Data Systems?
Before reaching out, confirm the debt is legitimate and being reported correctly. Credit reports often contain mistakes, and paying without verifying the details can reset the clock on the collection, making it harder to remove.
If you’re unsure how to handle it, working with a trusted credit repair company may be your best option.
Can Medical Data Systems Sue You or Garnish Your Wages?
Yes, Medical Data Systems can take legal action to collect unpaid debts. If they sue you and win, they could:
- Garnish your wages
- Levy your bank account
- Place a lien on your property (depending on state laws)
Lawsuits and wage garnishments are usually a last resort. Most agencies try to arrange payment plans or settlements before going to court.
Medical Data Systems Contact Information
Address:
Medical Data Systems, Inc.
2001 9th Avenue, Suite 312
Vero Beach, FL 32960
Phone:
(888) 773-2255
(772) 770-2255
Medical Data Systems Complaints
Medical Data Systems has received complaints through the CFPB and BBB. Common complaints include:
- Inaccurate reporting
- Harassment or repeated calls
- Failure to properly verify debts
If needed, you can dispute the account and file a complaint.
Your Rights When Dealing With Medical Data Systems
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect you from harassment and unfair treatment. Medical Data Systems cannot:
- Report false or incomplete information
- Harass or threaten you
- Call excessively or at odd hours
- Lie about the amount owed or their identity
- Arrest you for unpaid debts
You can also request debt validation to make them prove the debt is accurate and belongs to you.
Remove Medical Data Systems From Your Credit Report Today
You don’t have to tackle this alone. Credit Saint has helped thousands of people remove collections and other negative marks from their credit reports. They even offer a 90-day money-back guarantee for peace of mind.
Visit their website or call (855) 281-1510 to see how they can help clean up your credit.
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.
