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so if you're watching this video it's because you have medical collections on your credit report whether you were notified or not notified you looked at your credit report or you opened your mailbox into your surprise there was a collection on your credit report or a collection letter in your meta your medicine box in your mailbox so now you're looking for ways to get rid of that so let's get started now um if i do happen to look down just because i'm looking at my handy-dandy notebook all right so the credit bureaus are supposed to wait 180 days after being notified by a collection agency um of a debt before they place it on your credit report this is kind of the grace period time that they give us consumers um time to work out a payment plan with the collector or the hospital or the doctor's office or whatever you know in order to pay this debt off before it's placed on your credit report so during the six months this is the opportunity for you to take care or make payment arrangeme...