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Collections

How To Remove Fidelity National Collections From Your Credit Report



Fidelity National Collections is a medical debt collection company that recovers unpaid balances by working on behalf of healthcare providers.

So if you have a large unpaid medical bill, you may begin to hear from them.

In addition, apart from their calls and letters, Fidelity Collections can affect your credit score detrimentally.

To collect your debt, they must first open a collection account on your credit report.

This entry can remain on your report for as long as seven years and impact your ability to qualify for loans and credit cards.

Remove the Fidelity Collections’ collection account from your credit report. Because this is the best way to improve your credit score.

About Fidelity National Collections

Based in Alliance, OH, Fidelity Collections is a debt collection agency that specializes in collecting medical debt.

They work with hospitals, doctor’s offices, and other healthcare providers to recover unpaid accounts.

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

In fact, they willingly create payment plans for customers with large balances.

And this is an exceptional feature that not many debt collectors offer.

Even though Fidelity Collections has been in business for over three decades, the Better Business Bureau (BBB) does not currently rate them.

So this means that there are currently no complaints filed against them with the bureau.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

How To Remove Fidelity Collections From Your Credit Report

You don’t need to be an expert on the debt collection industry to remove the collection from your credit report.

But you do need to be diligent and follow four simple steps.

Get Everything in Writing

Debt collectors love to deal with their clients over the phone. It is quick and allows them to contact customers multiple times throughout the day.

The downside is that when you communicate with debt collectors by phone, they can get a bit aggressive to secure payments.

This can lead to the unpleasant call experiences that you often hear about.

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

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

This means that you can to hold on to each communication you receive from them and refer back to them at any point.

Additionally, it will help keep Fidelity Collections above board when it comes to aggressive collection tactics.

They will no longer be able to contact you at all hours of the day or use profane or obscene language.

Ultimately, it is invaluable to get your communications in writing when it comes time to negotiate a settlement with Fidelity Collections.

But for now, think of it as a way to tighten the reins and take control of the situation.

Invoke Your Section 609 Rights

Federal consumer law provides you with several rights that you should take advantage of throughout the debt collection process.

So after you enforce your right to written communication, you will need to invoke your Section 609 rights as well.

Under the Fair Credit Reporting Act (FCRA), Section 609 states that a debt collector may not report any inaccurate, out-of-date, or outright false information.

In addition, it also gives you the right to request debt validation from a collector to ensure that the information is accurate.

However, per the FDCPA and FCRA, you are only permitted to validate your debt within the initial 30 days of hearing from a debt collector.

So don’t procrastinate this step. In other words, ensure that Fidelity Collections is not reporting false information to the credit bureaus.

Ask for Proof

To invoke your Section 609 rights, you will need to write and send a Section 609 letter to Fidelity Collections.

Specifically, this is an official written request for the debt collector. Because you need them to provide proof that the debt belongs to you and they are legally allowed to collect it.

Next, after you send the letter via U.S. Mail, wait 30 days for Fidelity Collections to return with documents that validate your debt.

Finally, go through all of the paperwork and compare it to the information you have about your debt.

If you notice that there are some errors in reporting, you can contact the credit bureaus and file a dispute against Fidelity Collections.

The bureaus will conduct independent investigations and remove the entry from your credit report if they see fit.

Consequently, debt validation is a great way to confirm that Fidelity Collections reports information that isn’t untimely or incorrect.

It is also a great way to get their entry removed from your credit report – and possibly get out of paying the debt altogether.

MAILING ADDRESS:

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

Make a Deal with Fidelity Collections

If Fidelity Collections can validate your debt, this is both good news and bad news.

In other words, the good news is that you are not being scammed into paying a debt that isn’t yours.

But the bad news is that you are now responsible and must pay the collector.

Therefore, the best way to approach this situation is to try to reach a settlement with Fidelity Collections.

The most common type of debt settlement that people make in the debt collection industry is known as a pay-for-delete agreement.

Negotiate a Pay-for-Delete Agreement

For instance, a pay-for-delete agreement involves you paying a debt and, in exchange, a debt collector ceasing to report a debt to the credit bureaus.

And this will cause their collection entry to disappear from your credit report and boost your score.

Some companies are hesitant to grant pay-for-deletes because it alters your credit history.

So this is generally frowned upon, but a company may grant a deletion if they are eager for payment.

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

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

So continue this until you reach an amount that Fidelity Collections believes is enough to justify an account removal.

And ask Fidelity Collections to send you a full write-up of the terms and conditions before you make a payment on the debt.

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

Because after you make your first payment, Fidelity Collections will contact the credit bureaus and remove their account.

However, it will take about 30 days before their entry disappears from your credit report.

Pay for Professional Help

Removing a debt collector from your credit report is not an easy task. As a result, many consumers choose to hire a professional to help them get the job done.

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

In addition, they can also help you clean up your credit report and remove damaging accounts on your behalf.

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Conclusion

It is no one’s idea of a good time to negotiate with a debt collector. But it pays for you to handle them early rather than deal with the damage to your credit score.

However, Fidelity Collections is one of the more reasonable medical debt collectors. And this can help you negotiate a settlement with them.

So follow the steps above or work with a professional credit expert to see success and boost your score.

Because everyone has the ability to improve their credit score. Meanwhile, if you’re looking for more tips on bettering your credit, check out some of our most popular articles.

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