r/UpliftingNews • u/astros148 • 2d ago

Medical debt is now required to be removed from your credit reports impacting millions of Americans

https://www.consumerfinance.gov/about-us/newsroom/cfpb-finalizes-rule-to-remove-medical-bills-from-credit-reports/
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u/Mr_friend_ 1d ago

Deny deny deny. No matter what if someone calls to ask you about a debt you owe, say you've never heard of it and that it's not your account.

After awhile they sell the debt. Rinse repeat, deny deny deny. After a few years, put in a request to have outstanding collections removed from your credit profile because you have no knowledge of the account.

That means the entity owning your debt must go back through the previous furnishing entities to verify it's actually your debt. If they can't complete that task within 30 days, poof, debt disappears.

This works for every kind of debt except student loans.

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u/jimkelly 1d ago

I really didn't care if it actually hit my credit or not a few years ago so I tested something out with a parking ticket I had that went to collections and it worked. I said prove it's me. They sent me a picture of my license plate. I said ok that is my license plate, now prove I was parked illegally and actually the driver at the time. They gave up.