Seeing Medicredit on your credit report? That usually means you have an unpaid medical bill that’s been sent to collections. These accounts can damage your credit score—but you may be able to get them removed. Here’s what you need to know.
What Is Medicredit?
Medicredit, Inc. is a third-party debt collection agency based in Earth City, Missouri. They specialize in collecting past-due medical bills for healthcare providers across the country. If they’re showing up on your credit report, it means they’re trying to collect on a medical debt—possibly one that your insurance didn’t fully cover or that slipped through the cracks.
Who Does Medicredit Collect For?
Medicredit works mainly within the healthcare industry. They collect on behalf of:
- Hospitals
- Doctors’ offices
- Medical clinics
- Other healthcare providers
Sometimes they’re hired by providers to recover debts. In other cases, they buy the debt for less than what’s owed and keep whatever they collect.
Is Medicredit Legit?
Yes, Medicredit is a real and authorized debt collection agency. But that doesn’t mean every debt they report is accurate. Mistakes are common in medical billing, especially when insurance is involved. Always verify the details before paying.
How to Remove Medicredit From Your Credit Report
Medical collections can stay on your credit report for up to seven years—but you’re not stuck with them forever. Here’s how to try removing a Medicredit entry:
1. Dispute Any Errors
Start by reviewing the account for inaccuracies. If something’s wrong—such as the amount, the date, or the account itself—you can file a dispute with the credit bureaus. They’re required to investigate and remove unverifiable or incorrect information.
2. Request Debt Validation
Send Medicredit a written request asking them to validate the debt. This forces them to prove the debt is yours and that the amount is correct. If they can’t provide proof within 30 days, they must stop collection efforts and remove the entry from your credit report.
3. Negotiate a Pay-for-Delete
If the debt is accurate and recent, you can try offering a payment in exchange for removal. This is called a pay-for-delete agreement. Get it in writing before sending money, and know that not all collectors agree to it—but some do.
4. Work With a Credit Repair Professional
If the process feels overwhelming, consider working with a credit repair company. They handle disputes, negotiate on your behalf, and help improve your credit by removing inaccurate negative items.
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 Medicredit?
Before you contact Medicredit or make a payment, confirm that the debt is legitimate and still legally collectible. In some cases, paying an old debt can restart the statute of limitations—giving them more time to sue.
That said, if the debt is new and correct, resolving it quickly may prevent more damage to your credit.
Can Medicredit Sue You or Garnish Your Wages?
Yes, Medicredit can sue you for an unpaid debt—but lawsuits are rare and usually a last resort. If they do take you to court and win, they could garnish your wages or bank account depending on your state’s laws. Most of the time, though, collection agencies prefer to avoid the legal costs and settle the debt directly.
Complaints About Medicredit
Medicredit has received complaints through the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and the Better Business Bureau (BBB). Common issues include:
- Reporting inaccurate information
- Failing to verify debts
- Repeated or harassing phone calls
If you feel your rights are being violated, you can submit a complaint to these agencies.
Your Rights Under Federal Law
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) give you important protections when dealing with collectors like Medicredit:
- You can dispute inaccurate or incomplete information.
- You can request debt validation in writing. Medicredit must respond within 30 days.
- They cannot harass or threaten you. No repeated calls, profanity, or threats of arrest.
- They must be honest about who they are. Every communication must state they are a debt collector.
- They cannot share your debt publicly.
Knowing your rights puts you in control—and makes it easier to fight back if a collection agency crosses the line.
Medicredit Contact Information
If you need to send a debt validation letter or want to communicate in writing, here’s how to reach them:
Address:
Medicredit, Inc.
111 Corporate Office Dr., Ste 200
Earth City, MO 63045
Phone:
(800) 888-2238
Final Thoughts
If Medicredit is damaging your credit, don’t ignore it. Whether the debt is valid or not, you have options for removal—from disputing errors to negotiating pay-for-delete agreements. And if you want help, credit repair services can make the process easier.
Need support? Credit Saint has helped thousands of people challenge collections and clean up their credit reports. They even offer a 90-day money-back guarantee for added peace of mind. Visit their website or call (855) 281-1510 to learn more.
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.
