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Medicredit and Your Credit Score: What You Need to Know

Joe Mahlow avatar

by Joe Mahlow •  Updated on Mar. 28, 2025

Medicredit and Your Credit Score: What You Need to Know
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Discovering Medicredit on your credit report or receiving calls from them is never a pleasant experience for consumers. This often leaves consumers wondering, "Why? I've never even heard that name before."

Perhaps you have an unpaid medical bill that has been turned over to them for collection.

Medicredit is a debt collection agency. It specializes in recovering unpaid medical bills. They partner with healthcare providers to collect outstanding balances from patients. If Medicredit has contacted you, it’s likely about a medical debt that needs to be resolved.

This guide will help you understand who Medicredit is, how they affect your credit, and what you can do about it.


Who is Medicredit and Why Should I Be Concerned?

Medicredit collects debt for unpaid medical bills. People often describe them as persistent, with many reporting unfamiliar or unexpected Medicredit collections appearing on their credit reports.

When Medicredit reports a past-due account, it can significantly impact your credit score. Even a small collection account can lead to a drop of up to 100 points or more. This can make it harder to secure loans, rent an apartment, or even get a job. The longer the debt goes unpaid, the greater the damage to your credit.

when should be concerned of collections

Understanding how Medicredit operates and resolving issues with them quickly is crucial to protecting your financial health and future opportunities.

📍 Recommended Story: How We Removed Sarah’s Medical Collection


What is Medicredit, and Why Are They Contacting Me?

To know how Medicredit can change your credit score, it helps to know what they do and why they might call you. So, we mentioned this earlier, Medicredit is a company that collects money for doctors and hospitals that haven't been paid.

🚨 If you have doctor bills that are not paid, you might hear from them.

unpaid medical bills

Here are some reasons why you might have unpaid bills:

↪ Bills You Didn't Know About: Sometimes, you might not even know you owe money. Maybe the bill was sent to the wrong address because you moved. Or maybe you just didn't see the bill in the mail. If the doctor or hospital doesn't get paid, they might ask Medicredit to call you about it.

↪ Problems with Your Insurance: Sometimes, your health insurance might not pay for everything. They might say they won't pay for some part of your doctor visit or hospital stay. If that happens, you might get a bill for the part the insurance didn't pay. If you don't pay that bill, Medicredit might call you.

↪ Small Bills You Forgot: Sometimes, you might have to pay a small amount when you see the doctor, like a co-pay. Or maybe you had to pay a little bit of money before your insurance paid the rest. These small bills can be easy to forget. But if they don't get paid, the doctor or hospital might ask Medicredit to collect that money.

It's important to find out why Medicredit is calling you. Even if you didn't know about the bill or it was a small amount, you should still check to make sure the bill is right.

Finding the Medicredit Phone Number and Verifying Contact

If you're getting calls, you might want to verify the Medicredit phone number. Some say it’s 800-823-2318, but there isn’t much reliable information about them online. To be safe, check their official website or request written confirmation to ensure accuracy.

Who are Medicredit's usual clients?

  • Hospitals
  • Clinics
  • Dental offices
  • Emergency care centers
  • Medical labs and diagnostic services
  • Specialty care providers (e.g., cardiologists, dermatologists)

Is Medicredit a Legitimate Company?

Are you wondering if Medicredit is a real company? Yes, Medicredit is a real debt collection company. They are registered and licensed to do business as a debt collector in many states. You can often find information about their registration by checking with state agencies that oversee debt collection companies.

For example, many states have online databases where you can look up licensed debt collectors.

But just because they are a real company doesn't mean you shouldn't be careful when dealing with them. Like many debt collection agencies, Medicredit has a lot of complaints from people. They have a low rating on the Better Business Bureau (BBB) website, and many people say they have problems like being contacted too much, having wrong debts reported, and it being hard to fix mistakes.

medicredit legit

So, while Medicredit is a real company, it's still important to know your rights and be careful when you talk to them. Knowing what you can and cannot do will help you handle their calls and letters the right way!


How Will 'Medicredit Inc.' Show Up on My Credit Report?

If Medicredit Inc. has reported a debt to the credit bureaus, it will typically appear in the Collections or Derogatory Marks section of your credit report. This section is specifically for accounts that are past due and have been sent to collection agencies.

Here's what you might see:

👉 Account Name: The name will likely be listed as Medicredit Inc. or a slightly abbreviated version, such as MEDICREDIT or MEDICREDIT INC.

👉 Original Creditor: The report should also ideally identify the original creditor – the doctor's office, hospital, or lab that you initially owed the money to. This might be listed alongside or below the Medicredit Inc. entry. Look for names of medical facilities you recognize.

👉 Account Number: There might be an account number associated with the debt, assigned either by the original creditor or by Medicredit.

👉 Date Opened: This date usually reflects when the account was first opened with the original creditor, not necessarily when it was sent to Medicredit.

👉 Date of Last Activity: This could be the date of the last payment (if any), the date the account was sent to collections, or the date Medicredit last reported the information.

👉 Balance: This will show the current amount that Medicredit is trying to collect.

👉 Status: The status will clearly indicate that the account is a collection or something similar, such as "Account in collection," "Collection account," or "Charged off as bad debt; placed for collection."

👉 Reported By: This section will explicitly state that the information was reported by Medicredit Inc.

Where to Look on Your Credit Report:

where to look on credit report

When you review your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion), look for sections titled:

🌐 Equifax: "Collections" or "Adverse Accounts"

🌐 Experian: "Collections" or "Derogatory Credit"

🌐 TransUnion: "Collections" or "Negative Account History"

The Medicredit Inc. entry will be within one of these sections.

📍You Might be Interested: What to Do If Medical Bills Go to Collections

Important Considerations:

  • Appearance May Vary: While the above provides a general idea, the exact format and specific labels can differ slightly between the three credit bureaus.
  • Check for Accuracy: Carefully review all the details of the Medicredit Inc. entry. Ensure the original creditor is correct, the amount owed is accurate, and the dates are consistent with your records (if you have them). Any inaccuracies should be disputed.
  • One or Multiple Entries: Depending on the number of unpaid medical bills that were sent to Medicredit, you might see one or more separate entries for them on your credit report.
  • Impact Over Time: Even if you eventually pay the collection, it can remain on your credit report for up to seven years from the original delinquency date (the date you first missed a payment with the original creditor). However, its impact on your credit score will lessen over time.

By understanding where and how Medicredit Inc. might appear on your credit reports, you'll be better equipped to identify it, review the details for accuracy, and take appropriate action. Make sure to obtain and review your credit reports regularly from all three major bureaus to stay informed about your credit history.


Medicredit's Impact: Do They Report to Credit Bureaus?

Yes, Medicredit does report to credit bureaus

❗Here’s how it works: when a medical bill goes unpaid, the healthcare provider may hand the debt to a collection agency like Medicredit. Once this happens, Medicredit takes over recovering the payment, which is why you’re hearing from them instead of the original provider.

Medicredit also has the authority to report the debt to credit bureaus if it remains unpaid, which can hurt your credit score. The original provider usually doesn’t report the debt because they’ve transferred or sold it to Medicredit. This allows providers to focus on care while a collections agency handles unpaid accounts.

To avoid this, it’s best to address medical bills quickly. If your debt is with Medicredit, review your credit report for accuracy and resolve the issue as soon as possible. Keep in mind, even if you pay in full, the debt may stay on your credit report for up to seven years. Acting early can help minimize credit damage.

medical collection nightmares

Avoiding a Medicredit Scam: Protecting Your Information

While Medicredit is a legitimate company, it’s important to note that many debt collection agencies are often targeted by scammers trying to exploit consumers. These scammers impersonate real companies to trick people into sharing sensitive information or making payments to fraudulent accounts.

Here’s how you can protect yourself:

  • Always verify the debt and confirm the legitimacy of the agency.
  • Avoid sharing personal or financial information over the phone unless you're certain of who you're speaking with.
  • Regularly review your credit reports to spot any unfamiliar accounts or activity.
  • If you suspect a scam, report it to the FTC immediately.

By staying vigilant, you can protect yourself from falling victim to these schemes.

Navigating the Medicredit Login and Online Payments

If you need to make a payment, be cautious with the Medicredit login. Ensure the website is secure (look for 'https' and a lock icon). When in doubt, call them directly to make payments.

Understanding Your Rights When Dealing with Medicredit

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA). This law protects you from unfair debt collection practices, including the right to validate the debt and stop excessive calls.


Steps to Take When You Receive a Call from Medicredit

When Medicredit calls, it’s important to handle the situation calmly and methodically. Follow these steps to protect yourself and ensure everything is handled correctly:

what to do when got a call from medicredit

🟢 Request Their Information: Politely ask for the representative's name, the name of the company (Medicredit), and detailed information about the debt. This includes the amount owed, the original creditor, and the date the debt was incurred. They are legally required to provide this information.

🟢 Avoid Admitting to the Debt Immediately: Do not admit liability for the debt, even if it sounds familiar. Admitting to the debt can reset the statute of limitations in some states, potentially extending how long they can pursue legal action against you.

🟢 Ask for Written Verification of the Debt: Request a written debt validation letter. Under the Fair Debt Collection Practices Act (FDCPA), you have the legal right to receive proof of the debt before making any payments. This ensures the debt is legitimate and details are accurate.

🟢 Keep Detailed Records: Document every interaction with Medicredit. This includes dates, times, names of representatives, and summaries of your conversations. If you send written letters, keep copies and use certified mail to track delivery. Staying organized will protect you if disputes arise later.


Disputing a Debt with Medicredit

If you believe the debt is inaccurate, fraudulent, or no longer valid, you have the right to dispute it. Here’s how:

  1. Send a Written Dispute Letter: Write to Medicredit requesting specific proof of the debt. Include information about why you are disputing it, such as incorrect debt amounts, identity theft, or errors in reporting. Be clear, concise, and attach supporting documents if available.
  2. Check Your Records: Compare the information provided by Medicredit to your own financial and credit records. Look for discrepancies such as incorrect amounts, accounts you never opened, or debts that are too old to collect.
  3. Contact the Credit Bureaus: If Medicredit has reported the debt on your credit report, dispute the entry with the credit bureaus (Equifax, Experian, and TransUnion). They are required to investigate disputes within 30 days and remove inaccurate information.
  4. Know Your Rights: Under the FDCPA, debt collectors must provide proof of the debt if requested and cannot harass or mislead you. You also have the right to dispute a debt without retaliation.

Taking these steps not only protects you from unfair collections but also ensures your credit report remains accurate.


Improving Your Credit Score After Medicredit Contact

Receiving a call from Medicredit or seeing a collection account on your credit report can feel overwhelming, but it’s possible to recover and even improve your credit score. Here’s how:

  1. Pay Off the Debt: If the debt is valid, consider paying it off completely. This shows creditors you’re taking responsibility. Some collection agencies may also offer a "pay-for-delete" agreement where they remove the negative entry from your credit report after full payment.
  2. Set Up a Payment Plan: If paying the entire amount isn’t feasible, negotiate a payment plan with Medicredit. Make sure the terms are clear and manageable, and always get the agreement in writing to avoid misunderstandings later.
  3. Correct Errors: If the debt is invalid or contains errors, dispute it with Medicredit and the credit bureaus. Removing an inaccurate collection from your report can significantly boost your score.
  4. Build Positive Credit Habits: While addressing the debt, focus on rebuilding your credit by paying all your current bills on time, keeping credit card balances low, and avoiding unnecessary debt. Over time, these habits improve your credit score.

Remember, a single collection account doesn’t define your financial future. With consistent effort, you can recover and strengthen your credit profile.


Frequently Asked Questions (FAQ) About Medicredit:

Sill got questions? This section might help.

Does paying Medicredit remove the collection from my credit report?

Not necessarily. While paying can improve your credit score over time, the collection entry may remain on your report for up to seven years. You might be able to negotiate a "pay-for-delete" agreement in writing before paying.

How long can Medicredit try to collect a debt?

The statute of limitations on debt collection varies by state and the type of debt. Even if a debt is past this limit, it can still appear on your credit report for a time. It's important to know your local laws.

What happens if I ignore Medicredit's calls?

Ignoring them won't make the debt go away. They may continue to call, send letters, and potentially take legal action if the debt is valid and within the statute of limitations. The negative mark on your credit report will also remain.


No Need To Be Scared of Medicredit

Dealing with Medicredit can be intimidating, but it doesn’t have to be. By understanding your rights and taking the proper steps, you can protect your credit and regain control of your financial well-being. You have options—request proof of the debt, dispute inaccuracies, or work on paying it off to move forward. Most importantly, don’t ignore the situation. Addressing it head-on can save you stress and improve your financial health in the long run.

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