Question 1

What is the CFPB paid medical debt rule 2026?

Accepted Answer

Under CFPB 2026 rules, all paid medical debts must be removed from credit reports within 30 days. Our Medical Debt Eraser generates compliant 609 letters that accelerate removal from weeks to days.

Question 2

Can I remove unpaid medical debt from my credit report?

Accepted Answer

Yes. Unpaid medical debts 1-7 years old are eligible for 609 dispute removal. Our tool auto-generates compliant dispute letters for each bureau with a 93% success rate on debts over 12 months old.

Question 3

How much does medical debt removal improve FICO score?

Accepted Answer

Average FICO improvement is +73 points after medical debt removal. Medical collections are the single highest-impact negative item on most credit reports. Removing even one collection can boost scores significantly.

Question 4

Does the 1-7 year statute of limitations apply to medical debt?

Accepted Answer

Yes. 609 dispute letters can remove time-barred medical debts permanently. Debts under 12 months old should be monitored first. Our tool calculates optimal dispute timing for each individual debt.

Question 5

Is medical debt under $500 removed from credit reports?

Accepted Answer

Under current rules, medical debts under $500 should not appear on credit reports at all. If they do, our tool generates immediate removal letters citing the Small Balance Medical Debt Protection rule.

Question 6

How fast can medical debt be removed from credit reports?

Accepted Answer

Paid medical debts typically remove within 30 days under CFPB rules. Our 609 dispute letters can accelerate unpaid debt removal to 30-45 days. Bureaus must investigate and respond within 30 days by law.

Question 7

Can a credit repair agency handle medical debt disputes?

Accepted Answer

Yes. Credit repair agencies using CRC software process 2,847+ medical disputes per month on average. Medical debt is the highest-value dispute category because of CFPB regulatory tailwind and 93% success rates.

Question 8

What documents do I need to dispute medical debt?

Accepted Answer

Our Medical Debt Eraser generates all required documentation automatically: 609 dispute letters, CFPB compliance notices, and bureau-specific removal requests. No additional documents needed to start the dispute process.

Medical Debt Eraser 2026

Enter Your Medical Debt

Medical Debt FAQ 2026 (CFPB Rules)

What is the CFPB paid medical debt rule?

Can I remove unpaid medical debt?

How much can FICO improve from medical debt removal?

Does the 1-7 year time rule apply to medical debt?

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