I had a surgery and a ton of medical issues. All but one thing went through insurance. The healthcare provider for that one thing went straight to collections. I contacted them, and my insurance company handled it. However that one thing put a huge dent in my FICO score. What would be the best way to get it resolved and off my record? Or is such a thing infeasible?


To remove a collection, you have to be able to prove that the debt was not yours and has been paid:

You have rights. Ask for a validation notice, which says what you owe and to whom. After you get it, consider sending a letter saying that you don’t owe the debt. If you’re getting debt collection calls, check your free credit report at annualcreditreport.com. If a debt you don’t recognize shows up there, follow the instructions to dispute the debt. And, as always, report any problems to the FTC.


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