If you have a collections account from Healthcare Revenue Recovery Group (HRRG) showing on your credit report, this guide is for you. A collections account like this can destroy your credit score, so you will need to take action. Of course, dealing with debt collectors and collection agencies of any kind can be stressful. To interact effectively with HRRG, you need a strategy. Here we will show you how to delete HRRG Medical Collections from your credit report in 2023.
This article will take you through the steps you can take toward resolving an HRRG collections account and improving your credit. We will cover verifying the debt, disputing inaccuracies, negotiating a settlement, and waiting for the account to be removed over time. Let’s dive in.
What Is HRRG?
First, HRRG, which stands for Healthcare Revenue Recovery Group, is a legitimate collection agency that recovers unpaid medical debts. HRRG specializes in delinquent medical facility and hospital bills, and health insurance debts over 180 days old. They purchase debts from original lenders and work on their behalf to go after customers who have not paid.
HRRG also collects debts under other agency names. For example, Healthcare Receivables Group and Account Resolution Services are both divisions of HRRG.
Consumer Reviews of HRRG
Consumer reviews of HRRG are overwhelmingly negative. In fact, the company has a Better Business Bureau rating of “F”, which is the lowest rating possible, due to unresolved customer complaints. Not only that, but in the past 3 years the company has garnered 514 complaints on the BBB website. Consumers report problems like inaccurate bills, not deleting paid accounts, and harassing phone calls.
How Can HRRG Affect My Credit Report?
As a collection agency, HRRG does report to credit bureaus when they take on an account. This has a negative effect on your credit score. Any collections accounts on your report will make it harder to be approved for loans and get credit, so you don’t want to wait to address this issue.
2023 Credit Bureau Report Changes
An important recent development is that as of March 31, 2023, credit bureaus can no longer include medical debt under $500 on credit reports. If a medical collections account under $500 is on your credit report, you can get this removed. Use this free template to ask credit bureaus to remove the account from your report, or use the Cambio app.
Verifying the Debt
The first step to deal with HRRG collections is to verify the debt is accurate. Request a free copy of your credit report from the major credit bureaus and carefully review the information. Here are the things to verify:
Does the debt belong to you?
Is the debt amount accurate?
Is the debt over 7 years old?
As you may know, false billing practices among debt collectors are a serious concern. If you suspect any errors or fraudulent identity activity, you should ask HRRG to verify the debt using this free template.
Dispute the Debt
If you don’t believe you own the debt, you can dispute the debt with the credit bureaus, by explaining the errors in writing. Use this dispute letter template to report your case to credit bureaus and request an investigation. The credit bureaus will review the claim and remove the account from your credit report if the account is found invalid.
Negotiating a Settlement
If your debt is verified as accurate, don’t panic. If you are determined to delete HRRG Medical Collections from your credit report in 2023, you may need to pay some toward your debt. But don’t worry: you can negotiate a settlement. Contact HRRG directly to ask about a settlement agreement. Be sure to get any settlement agreement in writing and keep records of all conversations you have with the company. In your records, note the date, time, the issues discussed and the HRRG representative’s name.
Resolving HRRG Collections and Negotiating Payment
When facing HRRG collections, decide on what you think would be the best option for you and your budget. Determine what you are willing to pay, and how you will budget for that payment: in one lump sum or in split payments over time. First, contact HRRG directly to discuss payment arrangements. Be sure to document any agreements in writing and keep records of all communications. This will help ensure you are both clear on the terms, and will protect your rights throughout the process.
HRRG phone number: 800-984-9115
Online Payment Options
HRRG offers an online payment platform, so you can easily make payments towards your debt. This can help you stay organized and ensure timely payments.
Pay-for-Delete Arrangements
Pay-for-delete involves reaching an agreement where you pay the debt in exchange for the collections account being removed from your credit report. You can use this free Pay-for-Delete letter template to help, or use the Cambio app to request this for you.
While it’s worth exploring, keep in mind that not all agencies will agree to a pay-for-delete arrangement. Calmly engage in open communication with HRRG, ask about this option, and find the best approach for your personal situation.
Waiting for Removal
Alternatively, if all attempts to remove the HRRG collections don’t work, you’ll have to play the waiting game. Negative information generally remains on your credit report for seven years. While you wait, focus on improving your credit by making payments on time, keeping credit card balances low, and monitor your credit regularly.
Conclusion
In conclusion, deleting HRRG medical collections from your credit report in 2023 is possible with action and persistence. Verify the debt, dispute inaccuracies, and be ready to negotiate a settlement. Then, practice good credit habits while waiting for the negative information to be removed over time. By taking these steps, you can work toward a healthier credit score and long-term financial stability.
