Is Medical Debt Included in Credit Reports?
Although the FCRA permits healthcare providers and their agents to share information about a consumer’s medical debt with credit reporting agencies (CRAs), privacy protections are in place. The FCRA requires that furnishers encrypt certain information before sending it to CRAs.
This ensures that the medical debt is not shared in a way that violates a consumer’s privacy. Additionally, CRAs must delete any medical debt reported as part of a credit report if the furnisher does not provide sufficient proof that it belongs to the reported consumer.
How Does Trifecta Credit Solutions Handle Credit Repair Cases?
At Trifecta Credit Solutions, we understand that credit reports can often be inaccurate. Our team of lawyers and paralegals has extensive knowledge and expertise to help you fix your credit report. We will carefully examine your credit reports for any errors. If we find any, we will gather the necessary information to challenge them and communicate directly with your creditors and credit bureaus on your behalf.
Our credit report strategies are never one-size-fits-all because we tailor them to each client. We send our clients a monthly analysis of their credit score and how to improve it. They can also monitor their case progress by logging into our online portal or mobile app.
How Can I Take Advantage of the FCRA Rights to the Fullest?
You have the right to improve your credit score, and the Fair Credit Reporting Act (FCRA) protects that right. The negative items on your credit report will remain if you don’t do anything. The only way to ensure that your reports accurately represent your creditworthiness is by pursuing FCRA rights or finding a reputable credit repair service to assist you.
Trifecta Credit Solutions uses your rights under the FCRA and other federal laws to help improve your credit score. We have successfully helped remove hundreds of negative items from our clients’ credit reports, including late payments, collections, charge-offs, and bankruptcies.