Medical Debt Removal in Kansas City, MO

If you're a Kansas City resident dealing with medical debt on your credit report, The Credit Repair Guy can help. We specialize in medical debt removal for clients throughout Missouri.

Medical Debt can significantly damage your credit score and make it harder to qualify for mortgages, auto loans, credit cards, and even apartments. Our proven dispute process leverages the Fair Credit Reporting Act (FCRA) to challenge inaccurate items with the credit bureaus.

Medical debt occurs when you receive healthcare services and are unable to pay the resulting bills. Unlike other types of debt, medical debt often results from unexpected emergencies, confusing billing practices, and the complexity of insurance coverage. Many people don't even know they have medical debt until it appears on their credit report. Bills may be sent to old addresses or get lost in the shuffle between providers and insurance companies. Medical collections are particularly common because of the fragmented nature of healthcare billing.

We leverage recent changes in credit reporting rules that significantly benefit consumers with medical debt. We verify that paid medical collections have been removed (as they should be under current rules), ensure that medical collections less than one year old aren't appearing on your report prematurely, and dispute any medical debt under $500 that should no longer be reported. We also check for common medical billing errors such as duplicate charges, services not received, and amounts that should have been covered by insurance.

Ready to get started? Schedule your free credit consultation and let our team show you what we can remove from your credit report.