Medicredit on Your Credit Report? Fight Back and Win

Last Updated:
April 22, 2023

If you’ve had unexpected medical bills that you were unable to pay, you may have forgotten about the debt and even let yourself believe that it simply went away – unfortunately, just because the healthcare organization has stopped contacting you about the debt doesn’t mean that it’s been forgotten.  

If you’ve been getting a lot of phone calls from a company called Medicredit recently, chances are your debt has been sold to this company or that they’ve been hired to collect the money that you owe. Luckily, it’s possible to get rid of Medicredit without paying the entire debt as a lump sum – you just have to know your rights under the law and how to negotiate with debt collectors. 

What Does Medicredit Do? 

Medicredit Corporation is a privately owned collection agency, part of The Outsource Group. Their business model is to acquire charged off accounts from other creditors at discounted rates and then initiate the collection process to make a profit. They can be reached using the following contact information: 

  • Phone Number: (812) 372-0263 
  • Address: 1607 Central Ave, Columbus, IN 47201 
  • Website: 
  • BBB Rating: 1/5 

Is Medicredit a Legitimate Company? 

While Medicredit often uses aggressive tactics -- including intimidating debt collectors or filing lawsuits -- it is a legitimate collection agency, and it is certainly not the only company that engages in these types of practices. If Medicredit has contacted, you should learn about your rights under the Fair Debt Collection Practices Act (FDCPA), which protects consumers against certain unfair or abusive practices. 

Why Am I Getting Phone Calls from Medicredit? 

 If Medicredit is contacting you, you likely have an unpaid medical debt that’s been sold to the company to collect on. If the debt doesn’t seem familiar to you, it could be as simple as a co-pay bill that never reached you – however, it’s also possible that you do not owe on the debt or that the amount stated is incorrect. 

Here are some possibilities if you feel that either some or part of the debt is incorrectly reported: 

  • Debts that have already been settled or paid in full.
  • Debts that are not yours but are attributed to you due to identity theft or other fraudulent activity.
  • Accounts that were opened without your consent or knowledge using your personal information and/or documents.
  • Debts that have been inaccurately reported as being delinquent or unpaid when they have, in fact, been taken care of. 

If you are sure the debt is not legitimate, contact Fair Credit right away. We will dispute inaccuracies on your behalf and ensure those items are removed from your credit report - setting you on the path to financial wellness.

What Can I Do If I’m Being Harassed by Medicredit? 

The FDCPA is a federal law that protects consumers from abusive, deceptive and unfair practices by debt collectors – the law also limits how Medicredit and other debt collectors can contact you and the kind of information they can provide about your debts.  

Collectors are generally prohibited from engaging in any practice that could be considered harassment, like using vulgar language, calling you at work or making calls between 9:00 PM and 8:00 AM. 

They’re also not allowed to use false statements or threats of violence when attempting to collect on a debt, and they’re obligated to disclose information about it – this includes how much it is, who it is owed to and when payment will be due.

Here is a non-exhaustive list of some of the things Medicredit cannot do under federal law: 

  • Uttering profanity or offensive language
  • Threatening physical or psychological harm
  • Contacting individuals at inappropriate times or places
  • Repeatedly calling with the intent of causing annoyance, distress, or intimidation
  • Providing false or inaccurate statements
  • Menacing with arrest or imprisonment
  • Threatening legal action which is invalid or not applicable
  • Employing unfair or deceptive tactics.

If you believe Medicredit has been harassing you while trying to collect on a debt, then you could have grounds to take legal action against them. This can result in the debt being dismissed and even earn you additional compensation. 

Who Does Medicredit Collect For?

Medicredit works exclusively with companies and private clinics in the healthcare industry. This includes doctors’ offices, hospitals, clinics and other healthcare providers. They will also work on behalf of insurance companies and other medical-related debts. 

It’s important to note that there are new special protections for those grappling with medical debt under the Biden-Harris administration. These include prohibitions on certain collections activities, as well as what types of medical debt can be reported on your credit report. Because the law isn’t clear and Medicredit will happily take advantage of consumers, it’s important to consult with a legal expert who can ensure your rights are respected in accordance with new laws. 

How Can I Get Medicredit Off My Credit Report? 

Collections accounts can have a seriously negative impact on your credit report, which can lead to difficulties finding housing, financing mortgages, car loans, credit cards and a range of other credit-based opportunities. The following steps can help limit the damage a collections account can have on your credit: 

  • Review your credit report from each of the three major credit bureaus—Equifax, Experian, and TransUnion—for accuracy. 
  • Look into negotiating a settlement or payment plan that works for both parties.  
  • If you have doubts about whether the debt listed on your credit report has correctly been attributed to you, consider consulting a professional that understands debt and credit law and is committed to protecting your interests. 

Since Medicredit exclusively handles medical debt, there are also a range of potential avenues presented under the Biden administration's new laws, including the No Surprise Act. These options are best explored under the guidance of an experienced attorney. 

Contact Us for Your Free Case Review

At Fair Credit, we believe in empowering consumers by giving them access to reliable information and support when they need it most. Our service is designed with this goal in mind – helping individuals feel confident that they have all the information necessary to fight back against oppressive debt collectors. 

Don’t hesitate – get in touch today for a free case review and start taking control over your finances!

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