How To Negotiate a Pay-for-Delete with HRRGįirst, get the deal in writing. You may also want to call HRRG to propose a deal, but be sure you don’t pay over the phone or submit any online payments yet. To make this kind of a deal, write HRRG, proposing to pay in exchange for having the credit entry removed. This is known as a “ pay-for-delete” agreement, and it harnesses the power of your payment to accomplish your goal: getting a cleaner credit report. To get the negative information off your credit, you can agree to make a payment in exchange for HRRG deleting its derogatory marks on your credit reports with all three credit reporting bureaus. Paying the account will stop the phone calls, but even after you pay up, HRRG will remain on your credit report for up to seven years. This won’t work if you just pay the account without asking any questions. If you’ve missed the 30-day window for submitting your debt validation letter, or if HRRG proved you owe them money, try a pay-for-delete agreement. This is because the Fair Credit Reporting Act requires it to report only accurate information. If your debt entry has inaccuracies HRRG can’t fix, it’ll have to remove its negative information from your credit reports. This provision of the FDCPA can be a lifesaver if HRRG has bad information and you have no connection to the debt.īut even if you do owe money, you can try this method. If it can’t prove the debt is yours, it’ll have to remove the debt from your credit report with all three of the credit reporting bureaus. If you send your letter within 30 days of first being contacted by HRRG, this agency will be required to show proof you owe the debt. In this letter, you’ll request HRRG prove the original medical debt actually belongs to you. This law also gives you the right to see evidence you actually owe the money.Īny time you hear from a debt collector, you should respond within 30 days with a debt validation letter. The Fair Debt Collection Practices Act (FDCPA) regulates the way collection agencies can contact you. Give one of the three strategies below a go to get the collection deleted from your credit report.
Your missed medical bill doesn’t have to hurt your credit score in the years to come.
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We suggest you ask a professional credit repair company for help.Īsk Credit Saint for Help 3 Ways to Remove HRRG from Your Credit Report If you are overwhelmed by dealing with negative entries on your credit report, Since it’s an FAQ from many readers, I’ll also point out the Better Business Bureau (BBB) does not accredit HRRG. Your lack of payment may actually help you. In fact, I recommend you don’t make payment until you’ve read the rest of this post. And it doesn’t mean you should automatically pay the bill. Just because it’s legit doesn’t mean you have to put up with debt collection harassment. So if you’re hearing from HRRG, this agency thinks you owe it money, and it’ll make phone calls, send letters, and even contact you via text message to collect this debt. Part of the Teamhealth group, HRRG is headquartered in Sunrise, Florida, with the mailing address below: Sometimes it buys old debt and collects on it. It helps collect past due balances on behalf of healthcare providers. Yes, Healthcare Revenue Recovery Group, LLC, is a real company, it is a certified debt collection agency that was founded in 1996. What Is Healthcare Revenue Recovery Group?īefore you start making online payments to a collection agency you’ve never worked with, you’ll want to know whether the company is legit. Removing the agency’s negative credit information can increase your credit score, too. With the pointers below, you can get HRRG off your credit report and off your phone. Medical debt can overwhelm even the most financially prepared patients, and when this happens, your debt may find its way to a collection agency. If you’re being contacted by Healthcare Revenue Recovery Group (HRRG) and you don’t know how to proceed, take a deep breath and relax.
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