How to Remove OAC Collections Off Your Credit Report With DoNotPay
Your credit report can seem like some mystical formula everyone understands but you. When you get a notice from a company like , it can be easy to start imagining the worst possible scenario. But instead of going into panic mode, DoNotPay can help you resolve your credit issues with only a few clicks and let you move forward with confidence.
What Is OAC Collections?
The Oliver Adjustment Company, better known as , has been around for more than 100 years and specializes in debt related to health care. Based in Baraboo, Wisconsin, OAC Collections is a BBB-accredited company that aims to be "the premier healthcare professional fee collection agency in the nation."
One of the stated goals of OAC Collections is to work with patients to understand health bills and the collection process, but patients need to understand that their client is the healthcare provider. Although they do ostensibly offer options to help resolve any dispute, protecting your credit is not their priority. Ultimately, their job is to pressure you into paying your balance and keep their reputation intact.
What You Need to Look for During an OAC Collections Dispute
The main thing you need to know is that you have a right to clarity on the debt that is being collected. The collector must provide:
- The exact amount owed
- When the debt was incurred
- The name of the current creditor
- The name of the original creditor, if different from the current creditor
- A 30-day window to formally dispute the debt
The absolute key is to get started as quickly as possible if you plan on disputing or delaying the collection. As explained by the Consumer Financial Protection Bureau, you have 30 days to submit a formal dispute letter to OAC Collections from the time you are first contacted.
If you do not follow through within the first 30 days, the debt can be considered valid, and OAC Collections can proceed against you. It's also important to note that this information must be provided in writing within five days of a first attempt to contact you. And on that first contact, do not give out any personal or financial information; wait to verify that the debt is legitimate.
Disputing an OAC Collections Debt on Your Own
You should start by spending some time understanding the debt that you're asked to pay. Consider these steps to get started:
- Read up on options via the Consumer Financial Protection Bureau.
- Formally file a credit dispute letter within 30 days.
- If more info is needed, call OAC Collections at 1-877-609-2570.
- Use the 30-day window to gather information on the debt and consider the next steps.
- Contact the original creditor.
You can proceed in a few different ways when you first receive a collection notice, but the key is to write the dispute letter within 30 days. To that end, the Consumer Financial Protection Bureau has letter templates for various situations, such as you don't believe you owe the debt at all, you need more information, or you would like the debt collector to only contact your lawyer. If you determine the debt is valid, you might be able to still work directly with a hospital to come up with a payment plan.
Once you have formally disputed the debt, OAC Collections must cease all collection attempts for the next 30 days and then provide you a debt validation letter. During this time, you will want to gather all the records related to the original charge. For an OAC Collections debt, you might want to contact the healthcare provider if you believe there has been an error.
The OAC Collections Process
There are various phases of the OAC Collections process, which is why it could be helpful to contact them directly. If you do want to pay the debt, you might pay it off during the pre-collection process, which would minimize the impact on your credit.
There is also an Early Out program with a similar design. OAC Collections does offer a way to formally dispute the collection online, but sending a formal letter using a template of your choice is still recommended.
Using DoNotPay to Clean Up Your Credit
Dealing directly with a collection agency or disputing your credit report can be both stressful and time-consuming. Instead of trying to do it all yourself, the legal expertise of DoNotPay can give you a huge leg up by following three easy prompts:
- Search Clean Credit Report on DoNotPay.
- Prepare a recent copy of your credit report that you can use as reference.
- Let us guide you through the 4 potential options:
- If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.
- 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.
- 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!
- 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.
DoNotPay will not only contact OAC Collections on your behalf, but the service can help you with a Goodwill Removal Request to help mitigate any credit damage. And if there are errors on your credit report stemming from a debt collection, DoNotPay can work with you to correct them as quickly as possible and rejuvenate your credit score.
Other DoNotPay Services to Try
Aside from OAC collections, we can also assist you with the following credit report inquiries:
|Improve Credit Score||Debt Validation Letter||Remove Inquiries From Credit Report||Fix Credit Score|
|Dispute Credit Report||Remove Collections From Credit Report||Remove Late Payments From Credit Report||Credit Dispute Letter|
Helping you clean your credit report is only a drop in the bucket of our services. These are just a few examples of how we can advocate for you:
- Renewing your car registration
- Breaking your lease
- Signing up for clinical trials
- Applying for scholarships
- Fighting workplace discrimination
In a hectic modern-day world, DoNotPay gives you some much-needed support wherever you go.