Medicredit

Who is Medicredit?

Medicredit, Inc. or Medicredit Corp is a debt collection agency located in Earth City, Missouri.

You may see Medicredit Corp listed on your credit report as a collections account. This can happen if you didn’t pay a bill.

Who does Medicredit collect for?

Medicredit collects debts for doctors’ offices, hospitals, and other healthcare providers. They buy past-due medical debt for pennies on the dollar hoping to collect and make a profit.

Is Medicredit legit or a scam?

Medicredit is a legitimate debt collection agency. However, they may repeatedly spam call, text, or email you.

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.

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

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

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

Address:

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

Phone number: (800) 888-2238

Should I contact or pay Medicredit Corp?

It’s best to avoid speaking to a debt collector on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. 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?

It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They help you dispute the Medicredit debt with the credit reporting agencies and possibly get it removed from your credit report. It’s also quite possible that you will never hear from or have to deal with Medicredit, Inc. again.

Wage Garnishment

Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.

It is also illegal for Medicredit to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.

Is Medicredit hurting my credit score?

Any derogatory item on your credit report, including a collections account, may harm your credit score.

Debt collection agencies often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.

To get an account removed, you must file a separate dispute with each credit bureau; Equifax, Experian, and TransUnion, or it can negatively impact your credit score.

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 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 Medicredit, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collection company from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
• Medicredit may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• Medicredit 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.
• Medicredit cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Medicredit From Your Credit Report Today!

Lexington Law can assist you in disputing Medicredit accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

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 for a free credit consultation to see what they can do for you.