Medical Debt Credit Repair

Medical debt shouldn't be on your credit report. Find out which debts should be removed — and get dispute letters for all 3 bureaus.

100MAmericans carry medical debt
$88Bin medical debt on consumer credit reports
25–40 ptsaverage credit-score gain from removing a medical collection

Sources: KFF Health News, 2022; CFPB, 2022; Experian. Figures vary by study and year.

📋 CFPB 2025 Rule: Medical debt should be removed from all credit reports. Additionally, debts under $500 were removed in April 2023, paid debts since July 2022, and new debts can't appear for 1 year. Millions of Americans have removable medical debt and don't know it.

Your Information

⚠️ Required — your savings package is tailored to your state's programs & laws.

Medical Debts on Your Credit Report

Enter each medical debt that appears on your credit report or has been sent to collections. Add as many as you have.

Debt #1

$

⚖️ This tool provides information and generates template documents. It is not legal advice. We are not a credit repair organization under the Credit Repair Organizations Act (CROA). Laws change frequently — verify current rules with the CFPB or a consumer rights attorney.

🔒 No account numbers, SSNs, or personal details are stored.