If Optimum Outcomes is showing up on your credit report, your credit score may be taking a hit. Medical collections can affect your ability to qualify for loans, credit cards, or even housing. Here’s what you need to know about this company and how to remove them from your report.
Who Is Optimum Outcomes?
Optimum Outcomes, Inc. is a debt collection agency based in Raleigh, North Carolina. They help healthcare providers recover unpaid medical debts from patients.
If you see Optimum Outcomes on your credit report, it usually means an unpaid medical bill has been turned over to collections.
Who Does Optimum Outcomes Collect For?
Optimum Outcomes specializes in medical debt collections. Their clients include:
- Hospitals
- Clinics
- Healthcare providers
- Other medical facilities
If you’ve received medical care but failed to pay the bill, your account may have been transferred to Optimum Outcomes for collection.
Is Optimum Outcomes Legitimate?
Yes, Optimum Outcomes is a legitimate collection agency. They are authorized to collect debts on behalf of their clients. But like with any collection agency, never assume the debt is accurate without reviewing the details. Errors can happen, and not all debts are reported correctly.
How to Remove Optimum Outcomes From Your Credit Report
Medical collections from Optimum Outcomes can stay on your credit report for up to seven years, but there are ways to address them:
- Dispute Inaccurate Information: If the collection account contains incorrect details, file a dispute with the credit bureaus.
- Request Debt Validation: You can demand proof that the debt is valid and belongs to you. If they can’t provide documentation, they must remove the account.
- Negotiate a Pay-for-Delete: Some collection agencies may agree to delete the account from your credit report in exchange for payment. Always get agreements in writing before paying.
- Work With a Credit Repair Company: Credit experts can help challenge negative items like collections and improve your chances of removal.
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 Optimum Outcomes?
Before contacting Optimum Outcomes or making payments, verify that the debt is legitimate and reported correctly. Some debts are listed in error or may be beyond the legal time limit for collection.
Also, making payments can sometimes restart the reporting period, keeping the collection account on your credit report longer.
If you’re unsure how to handle the situation, a credit repair company can help guide you through your options.
Optimum Outcomes Contact Information
- Office Address:
Optimum Outcomes, Inc.
421 Fayetteville St, Suite 600
Raleigh, NC 27601 - Mailing Address:
P.O. Box 58015
Raleigh, NC 27658 - Phone Number: (877) 795-9819
Complaints About Optimum Outcomes
Like many collection agencies, Optimum Outcomes has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The most common complaints include:
- Inaccurate reporting on credit reports
- Harassment or excessive phone calls
- Failure to properly verify debts
If you experience any of these issues, you can file a complaint and take steps to protect your rights.
Can Optimum Outcomes Sue You or Garnish Your Wages?
Yes, Optimum Outcomes has the legal right to sue for unpaid debts. If they take you to court and win, they could garnish your wages, levy your bank account, or place liens on property, depending on your state’s laws.
Lawsuits are typically a last resort. Most collection agencies prefer to arrange payment plans or settlements before pursuing legal action.
Your Rights When Dealing With Optimum Outcomes
You are protected by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws ensure:
- They cannot report false or incomplete information.
- You can request debt validation within 30 days of being contacted.
- Harassment, threats, or abusive language is illegal.
- They must clearly identify themselves as a debt collector during calls and in writing.
- They cannot threaten arrest or legal actions they aren’t legally allowed to take.
Remove Optimum Outcomes From Your Credit Report Today
Dealing with medical collections can be stressful, but you don’t have to handle it alone. Credit Saint helps people challenge negative items like collections from Optimum Outcomes. With over 15 years of experience, they’ve helped thousands of clients improve their credit. They even offer a 90-day money-back guarantee for peace of mind.
Ready to take control of your credit? Visit their website or call (855) 281-1510 to get started.
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.
