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⁠Guide to Removing MiraMed Revenue Group From Your Credit Report

Last updated 07/04/2024 by

Bamigbola Paul

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MiraMed Revenue Group is a debt collection agency that purchases or collects debts on behalf of original creditors. They can impact your credit score negatively if a collection account appears on your report. This article explains who MiraMed Revenue Group collects for, the impact on your credit score, and strategies to remove them from your credit report.
MiraMed Revenue Group, LLC is a third-party debt collection agency, primarily serving the healthcare industry. If you’ve seen their name pop up on your credit report, you might be wondering who they are and what they do. This article delves into the details of MiraMed Revenue Group, their impact on your credit score, and how you can manage or remove their entries from your credit report. Let’s explore everything you need to know to navigate this challenging aspect of personal finance.

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Who does MiraMed Revenue Group collect for?

MiraMed Revenue Group specializes in third-party debt collection services for healthcare providers. They work with various entities in the healthcare industry, such as hospitals, medical clinics, and physician practices. Typically, these original creditors have charged off the debt after repeated unsuccessful collection attempts. MiraMed steps in to either buy the debt at a fraction of its value or collect it for a fee.

Impact on your credit score

When a debt collection account appears on your credit report, it can significantly damage your credit score. The presence of a collection account indicates that you have defaulted on a debt, which lenders view as a red flag. Even if you pay off the debt, the collection account can remain on your credit report for up to seven years from the date of the first delinquency. This long-lasting impact can affect your ability to secure loans, mortgages, or even rental agreements.

Pro tip

Always check your credit report regularly for errors. If you spot a collection account that doesn’t belong to you, dispute it immediately to prevent unnecessary damage to your credit score.

How to remove MiraMed Revenue Group from your credit report

There are several strategies you can use to attempt to remove a MiraMed Revenue Group entry from your credit report:

1. Validate the debt

Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request validation of the debt. This means MiraMed Revenue Group must provide evidence that the debt is yours and that they have the right to collect it. If they cannot provide this information, you can request that the credit bureaus remove the entry.

2. Dispute incorrect information

If there are inaccuracies in the collection account, you can file a dispute with the credit bureaus. According to the U.S. Public Interest Research Group, 79% of credit reports contain errors. Correcting these mistakes can help improve your credit score.

3. Negotiate a pay-for-delete agreement

In some cases, you can negotiate with MiraMed Revenue Group to remove the collection account from your credit report in exchange for payment. However, this approach is not always successful, and it’s essential to get any agreement in writing.

4. Seek professional help

Credit repair companies specialize in disputing errors on credit reports and negotiating with debt collectors. If you find the process overwhelming, it might be worth consulting a professional.

Pro tip

Keep detailed records of all your communications with MiraMed Revenue Group. This includes letters, emails, and notes from phone calls. These records can be invaluable if you need to dispute the debt.

Request all correspondence in writing

Ensure a documented record of communications with MiraMed Revenue Group by requesting written correspondence. This helps in maintaining a clear paper trail of all interactions and can be crucial if disputes arise. Contact MiraMed Revenue Group at the following address:
MiraMed Revenue Group contact information
360 E 22nd St, Lombard, IL 60148
Ph# +1 866-910-2607

How to file a complaint against MiraMed Revenue Group

If you believe MiraMed Revenue Group has violated your rights under the FDCPA or FCRA, you have the option to file a complaint. Here are the steps to take:
1. Contact the Consumer Financial Protection Bureau (CFPB): The CFPB handles complaints about debt collection practices. You can file a complaint online at CFPB’s website or call their toll-free number.
2. Report to the Federal Trade Commission (FTC): The FTC also accepts complaints about unfair or deceptive practices by debt collectors. File a complaint on the FTC’s website or call their toll-free number.
3. Notify your State Attorney General’s Office: Each state has an Attorney General who oversees consumer protection laws. Find your state’s Attorney General’s contact information on their official website.

Understanding your rights under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) provides you with protections against abusive debt collection practices. Understanding your rights can help you deal with MiraMed Revenue Group effectively. Key protections include:
– The right to request debt validation. (See Validate the debt)
– The right to dispute inaccurate information. (See Dispute incorrect information)
– Restrictions on how and when debt collectors can contact you.

How to dispute a debt

If you believe there is an error with the debt MiraMed Revenue Group is attempting to collect, you can dispute it. Here’s how:
1. Gather evidence: Collect all relevant documentation that supports your claim.
2. Write a dispute letter: Clearly state why you are disputing the debt and include copies of your evidence.
3. Send to credit bureaus and MiraMed Revenue Group: Send your dispute letter to the major credit bureaus (Equifax, Experian, and TransUnion) and to MiraMed Revenue Group.

Options for settling your debt

If you decide to settle your debt with MiraMed Revenue Group, it’s important to know your options:
– Lump-sum payment: Offering a single payment that is less than the total amount owed.
– Payment plan: Negotiating a series of smaller payments over time.
– Pay-for-delete: Attempting to negotiate the removal of the collection account from your credit report in exchange for payment (though this is not always successful).

Pro tip

Never ignore a lawsuit from a debt collector. Always respond to court summons and seek legal advice. Ignoring legal notices can result in default judgments against you.


Dealing with debt collectors like MiraMed Revenue Group can be daunting, but understanding your rights and options can empower you to take control of your credit. Whether you choose to dispute the debt, negotiate a settlement, or seek professional help, the key is to act proactively. Regularly monitoring your credit report and addressing any issues promptly can prevent minor issues from becoming significant financial setbacks.

Frequently asked question

Is MiraMed Revenue Group a legitimate company?

Yes, MiraMed Revenue Group is a legitimate debt collection agency. They are not a scam. However, like many collection agencies, they can be persistent and sometimes aggressive in their collection efforts.

Why does MiraMed Revenue Group keep calling me?

If MiraMed Revenue Group is calling you, it means they are attempting to collect a debt. These calls can be frequent and bothersome, but ignoring them is not always the best strategy. Instead, communicate in writing and request that they only contact you via mail.

Can MiraMed Revenue Group sue me or garnish my wages?

While it is uncommon, MiraMed Revenue Group can sue you for the debt you owe. If they win the lawsuit, they may be able to garnish your wages or place a lien on your property. It’s crucial to respond to any legal notices and seek legal advice if necessary.

Should I pay the debt?

Paying off the debt can stop the collection calls and legal actions, but it will not necessarily remove the negative entry from your credit report. If you choose to pay, consider negotiating a pay-for-delete agreement.

What are my rights when dealing with MiraMed Revenue Group?

You have several rights under the FDCPA and the Fair Credit Reporting Act (FCRA). These rights include disputing the debt, requesting validation, and limiting how and when the debt collector can contact you. Familiarize yourself with these rights to protect yourself from unfair practices.

Key takeaways

  • MiraMed Revenue Group is a legitimate debt collection agency.
  • Collection accounts can significantly impact your credit score.
  • You have rights under the FDCPA and FCRA to dispute and validate debts.
  • Consider negotiating a pay-for-delete agreement if you decide to pay the debt.
  • Keep detailed records of all communications with MiraMed Revenue Group.

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