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hey i have this medical collection on my credit report and it's bringing my score down how do i get rid of it i got you there's three steps you need to follow first use a letter like this one to dispute the collection with the credit bureaus if they verify it then move on to step two demand validation with the debt collections the agency using a letter like this one if they aren't able to verify it you got your deletion on the other hand if they verify it that's where it gets fun see debt collection agencies aren't supposed to have access to the specifics of your medical or health information so if they respond with that information they're in big trouble so just send a letter like this one right here and because they're in violation with hipaa laws they'll have to delete it wow this is so genius where did you learn this i follow credit repair cloud