How To Get Fidelity Collections Off Your Credit Report

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Fidelity National Collections is a medical collection company that works on behalf of health care providers to get back unpaid funds.

When you have a large medical bill that hasn’t been paid, you can start hearing from them.

Aside from their calls and letters, Fidelity Collections can adversely affect your creditworthiness.

To collect your debts, you must first open a collections account on your credit report.

This entry can stay on your report for up to seven years and affect your ability to qualify for loans and credit cards.

The best way to improve your credit score is to remove the Fidelity Collections collection account from your credit report.

Via Fidelity National Collections

Based in Alliance, OH, Fidelity Collections is a debt collection agency specializing in medical debt collection.

They are working with hospitals, doctor’s offices, and other health care providers to restore unpaid accounts.

Founded in 1986, Fidelity Collections is familiar with the problems customers face with medical debt.

In particular, they are ready to create payment plans for customers with large balances.

This is an extraordinary feature that not many collection agencies have.

Although Fidelity Collections has been in business for over three decades, they are currently not rated by the Better Business Bureau (BBB).

This means that no complaints are currently being filed with the office.

If you are overwhelmed with handling negative entries on your credit report,
We encourage you to seek help from a professional credit repair company.

Call Lex Law for help

How to Remove Fidelity Collections from Your Credit Report

You don’t have to be an expert in the collections industry to remove collections from your credit report.

All you have to do is be diligent and follow four simple steps.

Get everything in writing

Debt collectors love dealing with their customers over the phone. It’s fast and allows you to contact customers multiple times throughout the day.

The downside is that communicating with collection agencies over the phone allows them to get a bit aggressive about securing payments.

This can lead to the awkward calling experiences that you hear about a lot.

To avoid this and to hold Fidelity Collections accountable, you should get everything done in writing.

The Fair Debt Collection Practices Act (FDCPA) allows you to ask Fidelity Collections to only communicate with you via US mail.

This means that you can hold onto any communication you receive from them and refer to it at any time.

Additionally, it will help keep Fidelity Collections overboard when it comes to aggressive collecting tactics.

They can no longer contact you at any time of the day or use profane or obscene language.

Ultimately, having your communications in writing will be invaluable when it comes to negotiating a settlement with Fidelity Collections.

But for now, remember to tighten the reins and take control of the situation.

Access your Section 609 rights

Federal consumer law offers you several rights that you should use throughout the entire collection process.

After enforcing your right to written communication, you must also exercise your rights under Section 609.

The Fair Credit Reporting Act (FCRA) requires a collection agency not to report inaccurate, out of date, or completely inaccurate information under Section 609.

You also have the right to request a debt review from a collector to make sure the information is correct.

According to the FDCPA and FCRA, you are only allowed to validate your debt within the first 30 days of consulting a collection agency.

You should avoid delaying this step to ensure that Fidelity Collections does not report false information to the credit reporting agencies.

To exercise your Section 609 rights, you must write a Section 609 letter and send it to Fidelity Collections.

This is an official written request to the debt collection agency to provide evidence that the claim is yours and that they are legally allowed to collect it.

After sending the letter in the US mail, wait 30 days for Fidelity Collections to return with documents confirming your debt.

Go through all of the records and compare them with the information you have about your debt.

If you find there are errors in your reporting, you can contact the credit bureaus and file a lawsuit against Fidelity Collections.

The bureaus will conduct independent investigations and, if they deem appropriate, remove the entry from your credit report.

Reviewing debt is a great way to confirm that Fidelity Collections is reporting information that is not out of date or inaccurate.

It’s also a great way to remove their listing from your credit report – and potentially stop paying the debt.

POSTAL ADDRESS:

Fidelity National Collections
885 P. Sawburg Ave, Suite 103
Alliance, OH 44601

Make a deal with Fidelity Collections

If Fidelity Collections can confirm your debt, that’s both good and bad news.

The good news is you won’t be tricked into paying a debt that isn’t yours.

The bad news is that you are now responsible for paying the collector.

The best way to address this situation is to reach an agreement with Fidelity Collections.

The most common type of debt settlement that people in the debt collection industry undertake is called a pay-for-delete arrangement.

With a pay-for-delete agreement, you pay a debt and, in return, a collection agency stops reporting debts to the credit bureaus.

This will result in the collection entry disappearing from your credit report and increasing your score.

Some companies are reluctant to grant pay-for-deletes because it requires a change in your credit rating.

This is generally frowned upon, but a company may be willing to grant a cancellation if they are concerned about paying.

To negotiate a pay-for-delete agreement, give Fidelity Collections an initial offer equal to half the balance in exchange for removing an account.

You can expect them to decline this offer, which means you need to improve your offer.

Continue in this way until you have reached an amount that Fidelity Collections believes is sufficient to warrant an account removal.

Before making any payment for the debt, ask Fidelity Collections to send you a full description of the terms and conditions.

This goes back to the first step of getting everything in writing to ensure accountability.

After you have made your first payment, Fidelity Collections will contact the credit reporting agencies and remove their account.

It takes about 30 days for your entry to disappear from your credit report.

Pay for professional help

Removing a debt collector from your credit report is not an easy task. Many consumers hire a professional to do their job.

Credit repair professionals can help you manage the tasks of communicating and negotiating with a debt collection agency.

They can also help you clean up your credit report by removing damaged accounts on your behalf.

Conclusion

Negotiating with a debt collector isn’t an idea for a good time, but it’s worth dealing with them early instead of repairing the damage to your credit score.

Fidelity Collections is one of the more sensible medical debt collection agencies you can use to negotiate a settlement with them.

Follow the steps above or work with a professional credit expert to see success and increase your score.

Everyone has the opportunity to improve their credit score. If you’re looking for more tips on how to improve your credit, check out some of our most popular articles.

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