Medical collections are common, but that doesn’t make them any less scary. Hearing from companies like HRRG Collections can feel threatening, especially when they use aggressive tactics.
Fortunately, you have rights and once you know what they are, you can protect yourself. This includes knowing how to remove HRRG Collections from your credit report.
It’s not as hard as it seems. Here’s what you must know.
Who is HRRG?
HRRG is a debt collection company that works primarily with healthcare companies. They help healthcare companies collect on old debts and if the debt goes unpaid long enough, they’ll buy the debt from the medical provider and try to collect on it themselves.
If this happened to you, know that you can remove HRRG Collections from your credit report with a few simple steps.
Start by Validating the Debt
The first step is to validate the debt. This means you’re asking HRRG to prove you owe the debt. If there’s any doubt in your mind that you do or you don’t feel HRRG provided you with enough details when they called or wrote to you, request validation.
You have 30 days to do it from the first day they called or wrote to you though, so don’t delay.
To request debt validation, write a letter to HRRG asking any of the following:
- What’s the name on the account?
- What’s the account number?
- Who was the original creditor?
- What was the original balance?
- How much is past due?
If HRRG can’t provide answers to everything you ask, they must remove the collection from your credit report. This doesn’t mean you don’t owe it – you might, but you can get it removed from your credit report.
Dispute the Debt
If you miss your chance to dispute the debt because it’s been over 30 days since they contacted you, there is still a way to remove HRRG from your credit report.
This time instead of disputing the debt directly with HRRG, you’ll go through the credit bureau reporting the collection. If you aren’t sure who reported it, pull your free credit reports here and find out which bureau reported it.
Write a letter to the appropriate bureau disputing the debt. In your letter, be specific about why you’re disputing the debt. State everything they reported that’s incorrect or unfair and if you have any proof of what you’re stating, provide it too.
The credit bureau has 30 days to look into the situation. They’ll contact HRRG and determine if they have the right to report the collection on your credit report. If they don’t or they can’t find a reason to deny what you state, the credit bureau must remove the debt from your credit report.
Arrange a Pay-for-Delete
If you still haven’t been successful in removing HRRG from your credit report, you have one more option – negotiate a pay-for-delete agreement.
Before you do anything, negotiate a settlement with HRRG. They likely bought your debt for less than it’s worth, so you have room to negotiate. In your negotiations, ask HRRG for a pay-for-delete agreement.
This means they agree to delete their collection from your credit report in exchange for payment of the debt. It could be the full amount or the agreed upon amount – but whatever they agree on, get in writing.
Once you pay the debt, they must delete it. If they don’t, you can dispute it with the credit bureaus, showing the proof of what HRRG agreed to with you.
It’s not as hard as it sounds to remove HRRG from your credit report. It takes a little work and plenty of phone calls, but in the end, you should be successful.
The key is to get everything in writing. You never know when HRRG may agree to something verbally, but then not follow through. If this is the case, you always have the right to dispute the debt with the credit bureau.
If you can’t handle the back-and-forth with HRRG, consider hiring a credit repair agency. There are plenty of reputable agencies that will help you through the process. They know what to look for on your credit report and what information HRRG can and cannot report.
They’ll work closely with you to help you remove HRRG from your credit report. Whether you do it yourself or get help, the key is to remove the collection from your credit report as quickly as possible.