Is Medicredit hurting your credit score?

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Who is Medicredit?

Medicredit, Inc. or Medicredit Corp is a third-party debt collection agency that specializes in recovering unpaid healthcare bills. Based in Earth City, Missouri, the company has been operating for several decades.

If you see Medicredit Corp listed on your credit report, it usually means that you have an outstanding medical bill. This could be a bill that you’ve forgotten to pay or a bill that was not fully covered by your insurance provider.

Who does Medicredit collect for?

Medicredit operates primarily within the healthcare industry. The company collects debts for a wide range of healthcare providers, including doctors’ offices, hospitals, and other healthcare providers. They purchase past-due medical debt for a fraction of the original amount owed with the hope of collecting on these debts and making a profit.

Is Medicredit legit or a scam?

Medicredit is a legitimate debt collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect on behalf of their clients. However, it’s essential to verify any debts Medicredit claims they owe before making any payments.

How can I remove Medicredit from my credit report?

Medicredit 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 collections account from your credit report before seven years.

(Though debt collectors may not want this 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 assist people in getting their credit back on track.

In addition to collections, credit repair companies can help you challenge (and possibly remove) other inaccurate information from 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.

Medicredit, Inc. Contact Information


Medicredit, Inc.
111 Corporate Office Dr. Ste 200
Earth City, MO 63045

Phone number: (800) 888-2238

Should I contact or pay Medicredit Corp?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit. Of course, there are times when it’s best to just pay the Medicredit collection account, especially if it’s new and you’re sure that it’s legit.

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

Will Medicredit sue me or garnish my wages?

While it is technically possible for Medicredit to sue you for an unpaid debt, it’s generally considered a last resort. If Medicredit were to sue you and win the case, they could receive a judgment against you that could allow them to garnish your wages or bank accounts, depending on the laws in your specific state. However, this is typically an expensive and lengthy process, and most debt collection agencies prefer to avoid it if possible.

Medicredit, Inc. Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Medicredit, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Medicredit 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Medicredit cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Medicredit must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Medicredit cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Medicredit From Your Credit Report Today!

Credit Saint can help you dispute Medicredit accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

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