Is MiraMed Revenue Group Affecting Your Credit Score?

If you're dealing with demands from MiraMed Revenue Group, then you're facing an outstanding bill from a health care provider. Medical debt is a huge problem in the US, and it's grown to affect 50% of all households. That burden is high enough, but consumers report that MiraMed Revenue Group isn't always accurate about their information. To make matters worse, it can be difficult to straighten out problems with the company.

But you do have options to deal with claims from MiraMed Revenue Group. Like many corporations, they count on consumers not having the knowledge or time to pursue their rights. We'll walk you through the options that are available to you, and if you need more support, DoNotPay is here to back you up. DoNotPay can also help you with:

1. Write a debt validation letter
2. Remove collections from your credit report
3. Create a credit dispute letter
4. Remove late payments from your credit report

What is MiraMed Revenue Group?

MiraMed is a collection agency that specializes in medical debt. If you have an outstanding bill at a doctor's office, the debt may be sent to MiraMed. Like most debt collectors, MiraMed is relentless about contacting you to pay your bill. On top of this, they also report the outstanding debt to the credit reporting agencies, which can lower your credit score by as much as 100 points. That ding on your record will remain for seven years.

You can contact MiraMed in four different ways:

Your Options for Dealing With MiraMed Revenue Group

Debt collectors can be frustrating and intimidating to deal with, and that's no accident. People who don't know their rights and are scared of debt collection agencies are more likely to pay what's demanded without a fight. But that doesn't mean you don't have many options. To protect your rights and get the best outcome, follow these steps:

Request Written Communication

The Fair Debt Collection Practices Act (FDCPA) gives you the right to request that debt collectors communicate with you by writing. If you're trying to negotiate over the phone you will have no proof of what you were promised. As soon as they contact you, inform them that you want them to communicate with you only in writing. If they argue, you can tell them that they're in violation of the FDCPA and hang upon them. You can contact and check your rights here:

Request Debt Validation

The FDCPA also gives you the right to request debt validation from the collection agency, so you can verify that they have the correct information. You only have 30 days from when you're first contacted, so don't wait.

You must submit a formal debt validation letter, at which time MiraMed will be required to respond within 30 days. If they can't verify your account, they will have to remove their report from your account.

Dispute the Account

Even if they verify your debt, you still have the legal right to dispute the account. If there is any inaccurate information on their account, you can dispute it. This will require you to pull a copy of your credit report and carefully compare that information to MiraMed's claims. If any detail is wrong, such as the spelling of your name, small differences in the outstanding balance, or payment information, you can dispute it. They have 30 days to investigate and reply.

Negotiate a Pay-For-Delete Agreement

If you've clearly established that MiraMed has the correct information, and the debt is yours, you can next make a pay-for-delete agreement. Debt collectors want to get payment, so they may be willing to negotiate with you to remove the account from your credit report if you pay. Be sure to get the agreement in writing, and start out by offering to pay a portion of the debt. This may seem unlikely, but debt collectors typically buy debt for pennies on the dollar, and it may be worth it to them.

They won't be eager to remove your account but hold your ground, and you may be able to get them to agree. Be sure to follow up in a month and verify that they've done what they said they would. If they haven't, that written correspondence will come in handy.

DoNotPay Has the Resources to Deal With MiraMed Revenue Group

No debt collection agency is anxious to give you what you want; they put a lot of effort into getting the most they can from you. Although they may not pay very close attention to the laws that protect you, they will use every bit of legal power available to get what they want.

But you don't have to fight this fight alone. DoNotPay knows exactly how to deal with credit problems. Just follow these three simple steps, and let us handle the rest.

How to clean up your credit report using DoNotPay:

1. Search Clean Credit Report on DoNotPay.

    

2. Prepare a recent copy of your credit report that you can use as reference.

    

3. Let us guide you through the 4 potential options:

1. If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.

    

2. If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.

    

3. If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report and they can't collect it!

    

4. Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.

    

That's it! We'll take care of the rest. And cleaning up your credit report is just one-way DoNotPay can help you get your financial life in order.

DoNotPay Is on Your Side With Credit Problems

If you're struggling to get your credit history back on track, DoNotPay is here to help. We have a number of ways we can help you set the record straight and get started on a better financial path.

• Fix your credit score
• Remove inquiries from your credit report
• Get compensation for victims of crime

We know the details that will help you get things done, and that applies to more than just credit problems.

DoNotPay Makes Problems Go Away

If you're trapped in poor credit and the headaches it can cause, getting help with that probably seems like enough. But DoNotPay can do so much more for you. Consider some of these other services we offer:

• Hacks to get compensation for airline flights
• Decode confusing TOS
• Help to cancel accounts
• Appeal financial aid
• Chargebacks and refunds

DoNotPay is here to help, so try us out and see how much we can do!