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Contact Information for Medical Collection Accounts

Dear Experian,

On my credit report there are two collection items. One says Medical Payment Data. The other just says Emergency Physician. I need their contact information, such as address and phone, so I can get in touch with them. Can you please help?

– NYW

Dear NYW,

Medical collection accounts can be part of a credit report. However, for privacy reasons information that identifies the specific illness, type of treatment or the service provider is blocked from the credit reports provided to lenders or other businesses. Therefore, if you are looking at a lender’s credit report, you will not see the name of the medical office or provider.

If you are looking at a copy of your personal Experian credit report, the collection account will show the original creditor’s name and any available contact information for the collection agency. In some cases, there may only be an address available. You can write to that address or look for the collection company’s telephone number online.

Ordering Your Free Experian Credit Report

You can request your personal report free once every 12 months at www.annualcreditreport.com. You can also get your free credit report from Experian at any time.

Paying Outstanding Collection Accounts May Help Your Credit Scores

Although paying a collection account won’t automatically remove it from your credit report, lenders may view a paid collection account more favorably than an unpaid one. And, some of the newer credit scores no longer include a collection account in the calculation once it has been paid in full. Therefore, paying off a collection account may have a positive impact on your credit scores right away.

Thanks for asking.
The “Ask Experian” team