After the 180 days a non-paid medical bill is handed over to a collection agency. Once the collectors begin handling your bills, you get a mark in your credit report and hence a lower overall credit score. Sometimes unpaid medical bills can also negatively influence your credit score even if they are less than 180 days old.
If you want the record to be removed from your credit history, you first and foremost need to pay the bill. In cases when it is done by your insurance company, you have all rights to open a dispute with the credit bureaus for the record to be removed. The same case applies to the bills that were recorded before the 180-day deadline.
When you want the medical bill mark to be erased from your history, you need to collect all possible pieces of evidence that a bill was paid. Bank statements work best in such cases. Then you should file a dispute with all credit bureaus about the system error. Make sure that you contact all three agencies since otherwise, your credit record will remain lower than it actually is. After filling in the information, bureaus have up to 30 days to review your appeal, and they are obliged to notify you about the decision then.
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