$500 threshold
Any medical collection under $500 must be removed. Bureau removals are mandatory as of 2023.
Debt
Medical Collections
Medical debt has different rules. We know them.
Since 2023, medical collections under $500 cannot appear on your credit report, and a 1-year grace period applies before paid medical debt can be listed at all. Most furnishers still get this wrong. AI catches every violation.
What you get
Every workflow, out of the box.
- Detect medical debts under the $500 threshold instantly
- HIPAA-based challenge to medical debt validation packets
- One-year post-payment reporting rule verification
- Cross-reference to make sure paid medical debt isn't reappearing
Strategies in play
The specific moves the AI runs on your behalf.
HIPAA validation
Medical validation letters often include PHI that violates HIPAA when passed through third parties. AI flags overshared items automatically.
Related solutions
The rest of the defense stack.
Credit
Credit Report Errors
Every reporting error, professionally challenged.
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Debt
Debt Collections
Turn every collector into a compliance problem.
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Credit
Charge-Offs
Stop paying for accounts the furnisher can't verify.
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Credit
Late Payments
One late payment shouldn't cost 100 points.
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Ready to run the play?
Start with a free credit audit. The AI Credit Analyst reads your file, flags issues, and drafts the first letter — all in under 5 minutes.