Medicredit: Why is it listed on my credit report?

You should have some info in the copy to contact Medicredit Corporation. Otherwise, dispute the item with Experian and put it under investigation. They will verify and send you the actual details. Otherwise, the item needs to be deleted.

I am enclosing public contact info I pulled from Missouri Corporation record filings. They are a collection agency.

Medicredit Corporation Inc.
Attn: Michael Dimarco
190 Carondelet Plaza Suite 1590
St. Louis, MO. 63105
Tel: 573-874-1182

Their name implies they collect medical debt.Please review the three links in my signature at the bottom of my post. The first two are laws regarding collections & credit reporting.The third is a debt validation letter you could send to them certified return receipt to make them prove this alleged debt.

Your debt validation letter is only good for MO, correct? How can I get the same information for FL? I also just received a notice on my credit report that a debt has been filed from Medicredit Corp and I have NO idea what it is in regards to. I have health insurance and have yet to see a bill from anyone that states any service that was not covered. And now, a collections notice on my credit report???

Medicredit was formerly Medicredit Corporation Collections and is a subsidiary of The Outsource Group. They are a full service collection firm serving healthcare, telecommunications, utility, government, banking and general industry.

Juli that letter for validation is good anywhere in the US because it is mandated by Federal law.

Hi Juli

In my opinion you should immediately notify the credit bureau in writing that the debt which has been filed by the Medicredit Corporation is inaccurate and false. Include copies of documents that support your claims. Make a copy of your credit report and clearly identify the listing that you dispute, explain in your letter why you are disputing it and requesting its deletion or correction.

I'm assuming you have found your information, but if not I found this Medicredit Corporation phone number. (314) 863-8890. It was on the MANTA website.

I am trying to help our son, whom had his first credit report, and found a Fl hosp bill $4000. plus..he had insurance, a $300. bill (for the same date)was processed but the other never was. now three years later he is dealing with an abusive woman (Medicredit Corp collection services)that just insist he send them money and he bill his own insurance co...the hosp says they cannot bill it now because they have turned it over to this credit collection. they had his address and phone number, he did move and had a forwarding, but never recieved anything.. the hosp told he it just was never billed. Help please

Hi aprilfirst

In my opinion you should ask your son to send a debt validation letter (DV) to the Medicredit collection agency. you can find sample DV letters here:

https://community.debtcc.com/letters/index.html

Hope it helps :)
Keep us posted....take care
Nelly

The Medicredit Corporation is a debt collection agency. Google them and call their hotline and you will get all of the information you need. Call during the day to get much nicer collectors, as on nights and weekends they are trained to be "harder" collectors. I should know I put myself in college working for them...

Same here, I've never heard of them and I have a balance showing $296 that started in Jan '08. I called and talked to a woman named Ethyl on 5/28, who said that they have received a numerous calls similar to this and that she would have "Nick" get back to me. Today is 6/5 and I have yet to hear anything.

I'm going to call the Medicredit phone number again in a moment, the # I used to get in touch with them is (314) 837-2200

Please let me know if you had any resolution.

Steve

Hi,
Medicredit inc shows up as a negative on my Experian report as well and I too have no idea what it's about.

I got a call the other day from Medicredit Corporation. I know what they want. They said I owe $6000 but the Hospitals invoices say i owe $4000. Medi Credit says that they are charging 9% interest. I am a full-time student and full-time mom and I suffer from severe chronic migraines. Everytime they call I tell them that whenever I get back on my feet I will give them a call, but it doesn't look like that will be anytime soon. I live w/ my brother in a 1 bdroom. I cannot work due to the migraines and Medi Credit says that they will put a lawsuit on me and garnish my wages. Then they take information from me and then this guy proceeds to tell me to take out a $6000 student loan. I am trying to stay out of debt and this guy from Medicredit Corporationwants me to get into more debt just as long as they get paid. Can they really charge 9%? And can they garnish wages from someone who doesn't work? Does anyone have any suggestions on what I can do to get these people off my back, because paing them is not an option right now obviously?

Medicredit corp can't garnish wages if you don't have any wages. They could still sue you and if they get a judgment, then they could just wait and garnish future wages if you do get a job.

As to the rest of your questions, hopefully someone else will be along soon who can give you further advice.

Good luck!

Have you sent a debt validation letter to Medicredit Corporation yet?That balance sure seems inflated to me. Send one certified return receipt and stay off the phone for now unless you are dealing with the hospital.

Also, not sure they can charge interest w/out first having a judgement unless there was something specifically stating that interest would accrue on any past due balance. DV the collector but also contact the hospital and see what info you can glean from them.

Two of my kids were in a very bad car accadent in 2003. It was not thier fault and before the settelment came and we could pay all the hosp. bill some of them went to collection. They were in the hosp for three months and I almost lost my oldest son twice so you can see how large the bills were. Now in 2008 my husband and I are trying to buy a home and Medicredit has all these collections on our credit report marked as unpaid......Help

First of all, yes, MediCredit Corporation is a mostly medical debt collection agency, and one that has a great record and who actually specializes in clients with high expectations in terms of client-patient relations. Their collectors are well-trained, and mostly follow the law as it should be followed.

Secondly, what we need to realize is that when a hospital decides to turn over a debt to a collection agency, and they do decide to do so, the agency legally becomes your creditor, and now the money that you once owed the hospital is now owed to them. Another important item to understand is that the company does NOT charge interest on these accounts. Usually patients/debtors just think that is how the agency gets paid, but really it is a percentage of the debt owed to the original creditor, usually between 10-25%.

We also need to understand what is the responsibility of the hospital v. the responsibility of the patient. Most people think that when they go to the hospital or the doctor and show their insurance card, that everything will be okay. This is not always, and often not the case. Hospital staffers are usually under qualified, overworked, and underpaid, and they make mistakes all day long. It is your job as the patient, and as the consumer who pays for his or her insurance, to make sure the ins. company is billed in a timely manner, has all necessary information, and pays what it is contractually obligated to pay. This can take time, but if the patient keeps up with it, will be done in almost every case. If you depend on the hospital to do this for you, which it does only as a service and is not required to do at all, then you are often in for a tough time. Also know that there exists in the ins. world what is called the "timely filing" limit, which basically says that if a claim is not filed with the ins company in a timely manner--usually 90 days--then it is no longer obligated to pay this bill. This is fully within the law to do, and it is a good business practice for the ins. companies.

One more key thing to understand is exactly how much your insurance company is going to pay. 100% coverage is virtually non-existent, yet many policy holders believe that they will only need to pay their $20-$100 copay, and they can forget about the rest. Medical bills are very expensive, and even if your ins company pays 80%, a large balance may still remain. We also need to understand that most ins policies have a yearly deductible that must be met before the company begins to pay, and they also have yearly limits for those patients that will be in the hospital very often, racking up lots of bills. As a policy holder and a patient you also need to know which hospitals and doctors will be covered under your policy, in the event that there will be an emergency and you need to know where the best place for you to go is.

When you speak to these collection agencies, you need to make sure you understand exactly what they are saying at all times. They will hardly ever actually tell you that they are going to garnish your wages or sue you, because unless they actually know that they are going to sue you on this exact account, it is against the fdcpa. If you would go back and listen to the calls, which can be done, you would realize that they had only told you that they were going to "pursue further action" or something like that on the account.

Also in regard to these agencies, know that even if you send a "cease and desist" letter, this will only stop their collection efforts. It will not stop the account from negatively effecting your credit.

If we educate ourselves about the insurance, health care, and collections industries, even in the most basic way, you can avoid many of these difficult situations, and you will be able to avoid having these debts reflect on your credit.

They put something across all three credit reporting agencies for about $573.00. They claim a backwards date of services rendered"start date: July 2007 end date: September 2005.

I contacted all of the MediCredit's listed on the internet and on Hoover's.

MediCredit in St Louis, MO claims no knowledge of me or the debt
MediCredit in Colombus, MO claims no knowledg of me or my debt
MediCredit in Laguna Niguel, CA claims the same and is not even a collections company. In fact, they get about 25-30 call a day like the one I placed today and have indicated that I should report this as fraud to the credit agaencies. This was suggested b/c the company Medi Credit (collection agency) sometimes uses the phone number of the Medi Credit (medical fianancing co. in Laguna Niguel) on their stationary.

I'm beginning to think the MO locations are scam companies that put this stuff on people's credit with the hopes that we willget frustrated and just go ahead an pay the debt, just to make it go away. This one "seriously deliquent" and in my belief fraudulent item is the only thing on my credit that is negative...It is actually causing my credit to go to a low 600's from a high 700.

Not fair!!!! I hope some consumer watchdog's see this and nail this horrible company! I know I plan to file some formal complaints with the Dept. of Consumer Affairs in CA & MO, as well as the BEtter Business Bureau (and of course, disputing these reports on my credit report imeediately!)

They are a collectiona agency. They don't just do medical collection. They are for Ameren UE also.

I finally found a contact at Medicredit.

However, the situation with Medicredit has gotten worse. I sent them a Certified Letter (DV) demanding that the company comply with the Fair Debt Reporting Acts and Fair Isaac Laws and provide me with proof and documentation showing when and where I had ever signed up to be responsible for the debt they are fraudulently attempting to collect from me, etc. The company, Medicredit, sent an unusual response stating that they would continue to report the debt to credit agencies, even though they were violating the law. Medicredit refuses to supply the documentation and told me I would have to file a police report to make them stop. I filed an incident report tonight with the police and will be sending another ~$10 certified letter tho Medicredit demanding that they cease and decist from further contacting me and reporting any information about me to any credit agencies. My next step is to investigate filing a restraining order against them and to try to hire an attorney to stop their illegal behavior and actions against me. I will also start the paperwork to file a small claims suit agains them for the damages to my ability to secure the mortgage I had planned to get this winter, the increase in my interest rates on exsiting cards due to their fraudulent reporting and the cost of all these certified letters.

For those looking for Medicredit info try searching the Better Business Bureau to get info and then calling each Medicredit you see listed. I suggest using the National BBB, so get visibilty into more of the so called Medicredit companies.

My wife had an issue with Medi Credit, on a debt we knew nothing about. I sent them a letter and then filed a dispute with the CRA's. They never answered my DV letter and 40 days later it was removed off her record. Additionally, if you file a police report, follow up with them. I am a Detective and recently walked into American Express and arrested three of their collection personnel for 653M of the Ca penal code. annoying or harassing phone calls. It was a spectacle, but it sent a clear message to AMEX, unfair practices will not be tolerated. Funny as it was, I was only going to arrest two of them, but a third (manager) told me I had no rights to go in there, and I arrested him for obstructing and interferring. AMEX handled their defense, they all got probation, a scar on their criminal records. Not to mention AMEX had to pay 60,000 in fines. One of them was in backgrounds for a police department and now he's screwed. So in the end they get theirs. Also, pay attention to Charge offs on your credit report. Charge offs by companies means a debt they deem uncollectable and they write it off on their taxes. If you pay it, they have to re-report it as paid. They never do. Which is illegal by IRS standards. Use the police and govt and trust me, they will remove them all.

First off in small claims court, the company cannot use a lawyer. They have to send of their idiotic uneducated collection workers. Without any paperwork, the debt is no good and actually to continue to collect it, is fraud. dispute in writing to CRA's they tend to work better in your favor.

that is interesting info, can anyone else verify that this is true?

I have never been deliquent and I just noticed a negative deliquency from Medicredit corp. I never received any late notice and my insurance paid the claim. Very fustrating and I believe they are in violation of the fdcpa. If a debtor disputes a claim the collector must send a validation of the debt prior to taking action.

Medicredit still has not provided any proff that they debt is mine and I now have fraud alert across al my credit agencies, etc. to help track any further abuse theft of my identity by them.

It's really good to know that won't be sending a lawyer into court. Maybe I'll be able to recover the damages for the time, expense and distress...thanks agin, ngkos.

Nel. I encourage you to send Medicredit a DV letter (through certified mail.) Also, send a letter to the credit agencies to dispute the item on your credit reports.

My wife had the one item removed. Make a copy of the credit report and if tis ever put back on, the CRa have to give yo unotice within 5 days. They never do, viol 623 fcra.

I have the same problem. I'm trying to get security clearense for my job when I noticed all these debts from Medicredit on my credit report. It's frustrating because i'm only 24 and medicredit has put 6 seperate collections on my record that I have no idea about. I'm going to send them a letter of validation like people have said but it sounds like that won't get me too far. It is very frustrating and it's interesting to see how many people are in a similar situation. I hate medicredit.

I called them back and spoke with a female. She wouldn't help me set up a payment plan. She would have to balance in full or nothing at all. I want to pay them. But if they won't accept my money how am I supposed to pay them? The girl said I'm not denying your payment. Any help? Also I called the original creditor and verified they had turned the collection over to medi credit. You try to do the right thing and they just won't help.

received my annual credit score report today and have a collection from medicreditcorp for an amount that i've never seen or know of. i'm fully insured although i did swith insurance in December and perhaps this relates to a check up i had around that time. Isn't insurance transitions suppose to be seamless? and this bill should belong to the insurance companies? why is my credit getting affected by something that I am unaware of and can anyone please give me advice on how to fix it.

I just recieved a credit report from three crdit companies and on experian and equifax say I owe a debt which I have no idea what it is.It says on this report that it is dated 12/2008 and again in 2/2009. I AM REALY UPSET ABOUT THIS BECAUSE I HAVE NEVER BEEN IN COLLECTIONS IN MY LIFE. I would apreciate if you would check your records because I dont know what your talking about you are ruining my credit for nothing. i want this taken care of asap oir you will hear from my attorney.

This forum has nothing to do with any credit reports or collection agencies, this is a forum designed to assit people in getting out of debt, STAYING out of debt, dealing with collection agencies, credit bureaus, credit card companies etc.?? What company is showing on your credit reports, maybe we can assist you in finding their contact information?

I have the same situation with Mericredit placing derogatory statements on my credit file on a debt that I have no clue about. After searching the net for their contact info I called them and ID'ed myself using my SSN (which I hate doing) but I didnt have an account number, long story short the agent gave wrong address and my name except it had "Jr" on the end of it which I quickly informed her that both were not belonging to me and to my surprize she told me to file a police report beause someone stole my Identity and she refused to remove the remark from my credit file and she refused to give me any account information stating that because it belonged to someone else that she couldn't legally give it to me. So I have sent them a DV letter and since reading this post an seeing their lack of reponse to the other DVs I also filled a complaint with the Financial Institutions Division for the state of Nevada to who will force them to respond so I just wanted to say thank you to all of those who have posted here

It does not seem to be an isolated incident with this collect agency. They dont notify you about the debt, they just report you to the credit bureaus and then you find about it when you are denied credit. Besides that they try to collect late fees and interest which is ilegal. I just file my complain wit the Federal Trade Commision and everyone that has the same problem should do it too. Here is the link
ftccomplaintassistant.gov

I work as a collector for medi credit. In most of these cases where people do not receive a validation letter it is because we are supplied with an incorrect address from the hospital or utility company to begin with. If we have no address, if people do not answer their phones, or if we have an old phone number, we research and try to locate some information about the person we are trying to reach (skip tracing). If skip tracing does not work, the only option left is to simply report to the credit bureaus with the debtor never being notified.

As far as collecting on interest: we collect interest only from our clients that charge interest on past due accounts. Typically when you fill out paperwork for your hospital visit, energy provider, etc. the paperwork will tell you whether or not they charge interest on past due accounts. The interest we collect usually goes to our client depending on the type of payment agreement they have with us. This is well within the law since you sign stating you will pay interest if your account goes past due. You should read everything before you sign, though most people do not.

As far as payment arrangements. I make payment arrangements all day long. I am not rude or mean to the people I talk to, however, if someone is screaming and swearing and threatening me (which happens everyday) I am less inclined to help. Also, alot of people do not want to provide information which makes it impossible for us to set up an arrangement. Our clients send accounts to us because they want them paid off, we can make arrangements under the condition that we get financial information such as major outgoing expenses and income. We HAVE to do this per the contract we have with our clients. Many of our clients also offer settlements that we can extend to the debtor. If you are talking to someone who doesnt want to work with you, hang up, and get someone else.

As a side note, we the collectors do not have access to our clients direct phone numbers. Many people want to contact the client directly to ask questions or verify the debt. This is fine, however, you won't get the phone number from a collector because the client basically does not want to deal with the bill any longer, and therefore provide us (the collectors) with no contact number we can give out.

I hope this helps.

First of all maybe MediCredit should try using a paid skip trace service because I know I show up on intellus with my current contact information.

Secondly you preach that debtors dont read the fine print before they sign as being responsible for the debt in relation to the fees that you impose on accounts.. So why can't Medicredit send a copy of the contract that the debtor signed? wouldnt this solve most of the disputes that people have with your office?

And perhaps you might be able able to explain why medicredit attempts collections from the insured guarantor rather than the person that signed the aggreement that you speak of?

First of all we (Medicredit), do not have access to the forms the patient signs when they go to the Dr.'s office, hospital, etc. Our clients can not give us this do to federal laws, it would be a HIPAA violation for them to do so. If you want to see what was signed you have to go back the actual provider.

Medicredit collects from the guarantor because, that is the person that "guarantees" payment to the provider. Medicredit does not determine who we collect from. Once again, that information comes from the service provider. If you dislike that practice you will have to take it up with the healthcare system in general.

First of all the contract signature of the person that has signed as being responsible for the debt has nothing to do with the HIPPA laws as it has nothing to do with the medical issue of the patient it is merely the ???contract for payment???. And a true Bill Collector for their client is able to produce this key piece of evidence to where a Junk Debt Buyer such as your company Medicredit Inc. can???t provide it as they buy debts for pennies on the dollar and most of the time do not have any real claim to the debt and 99.9% of the time cant even produce the required documents in court to support their claim unless they can get a default judgment by using an incorrect address due to the fact that the claimed debtor doesn???t show up in court because they had no knowledge of the claim or the summons.

Secondly and probably most important the ???insured guarantor??? does not ???guarantee??? payment to the provider the ???guarantor??? is the person that signed as ???being responsible for the debt??? this is basic contract law. And by you not having the above mentioned ???contract signature???

Thirdly it is the responsibility of the debt collector to prove the debt belongs to the debtor. Not the debtor???s responsibility to prove their innocence.

Medicredit does not "buy debt", the debt still belongs to the hospitals we collect for. We regularly sue and garnish wages with no problems because, the hospitals and Dr.'s offices we collect for provide all necessary documentation.

Once again, you can request your signed documents from the service provider, they will NOT give this documentation to a debt collector for fear of lawsuit. Typically the paperwork will ask for the reason for the visit, this is why hospitals, etc., will not give it to the collection companies they hire.

It is actually the responsibility of the debtor to prove the debt is not theirs. If it is something that has already been paid it is easily provable through insurance documents, copies of checks, or bank statements. I have to help people correct errors regularly because hospital billing departments make errors. Yes, it is the responsibility of the debtor to provide proof when there is a mistake because, afterall, it is the debtors bill even if it is wrong. If there is something on a credit report or a bill in collections that is truly not the debtors, this is a case of Identity Theft or fraud and has to be reported to the police. If you just wait for someone else to do leg work for you, you will get nothing resolved and hurt yourself in the long run.

If you find something on your credit report that you do not recognize or get a collections letter, call the company listed. Find out what information they have, what company or bank or medical bill they are collecting for. If you still don't recognize it ask for copies of bills or itemized statements and file a dispute with the company while you are trying to validate the debt; contact the place they are collecting for and find out what it is, when it happened etc.....You should be able to find the information you are looking for.

If you want to know about laws regarding collections look up FDCPA, all collections laws and practices can be found. You can also look up HIPAA if you want to know about medical billing and collection information.

You need to go back and ask your compliance officer for more training on the FDCPA and HIPAA laws. For example if you can't obtain the contract with the debtor's signature on it showing that they agreed to be responsible for the debt due to fears of HIPAA Lawsuits. Then how is it possible that you would have in your possession and even forward a "billing statement" from the doctor's office which usually contains information relating to the reason why the patient was seen and information relating to the treatment of the patient? Are you saying that one is covered under HIPAA and the other is not?

You also state that "We regularly sue and garnish wages with no problems because, the hospitals and Dr.'s offices we collect for provide all necessary documentation." Are these default judgments? If not then I would love to see how you proved to a Judge, your right to collect fees and interest as governed by a "signed contract", your right to collect the claimed debt. In the court's eyes you would have to prove the debtor owes the debt.

I got a bill from Medicredit, INC which I never had a contact with. I was totd to pay $70.00 and $7.54 for interest that I do not know where is it come from.

How do you find out the CEO or Director of local offices? For example, the one in Columbia, MO

a student loan collection agency. ?????

I made arrangements with Medicredit to deduct payments from my checking account. They double deducted now Ihave to deal with my bank regarding NSF Fees. They have acknowledged an error in their bookkeeping but they are very slow in rectifing the problem

I made arrangements with Medicredit to deduct payments from my checking account. They double deducted now Ihave to deal with my bank regarding NSF Fees. They have acknowledged an error in their bookkeeping but they are very slow in rectifing the problem

I just received notice from Privacy Assist that Medicredit has requested my credit report. I had no idea who they were until I researched this site.

It appears they do collections from Hospitals and Doctors. McKenna Hospital has been dogging me for a collection balance for 2 oor 3 years. McKenna sold to Cristus Santa Rosa Hospitals and took their receivables with them. They have been told over and over to tell me what the insurance did not pay so I can address it with the insurance companies. I have insurance which pays in full unless there is something they don't cover such as a private room request by the patient. They cannot tell me what that balance is for so I refuse to pay it. If they continue to go from one collection agency to another and affect my credit I will surely file suit against them.

File a dispute with the credit reporting agency(ies).

Also, inquire with your insurance company for a report of what they paid and what (and why) they denied.

medicredit is a collector for MRI's and medical stuff. 1-800-777-9929 call them and find out

call 573-874-1182 press zero for the operator-they should transfer you

This ageny (Medicredit) is quite smarmy and alarming. When TV shows expose bad collection agencies, this is definitely in that league. Worked with a lady named "Diane" who was in their accounting dept and she was verbally nasty...all of this after I paid my balance in full. Nasty nasty!

You are reporting to credit agancies that i have a medical bill, but you can not help me. Why?