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Finding a collection on your credit report can be frightening, especially when it’s unexpected. A collection accountwill hurt your credit score and can remain on your credit report for up to 7 years.
This often happens with Capio Partners as they mainly collect for healthcare companies. Medical bills have a way of sneaking up on you and then ending up with a debt collection agency.
Luckily, there are ways to remove Capio Partners from your credit report. I show you how below.
What is Capio Partners?
Capio Partners is a debt collection agency located in Georgia, Texas, and Oregon. If you see them on your credit report, it means you defaulted on a debt from one of your creditors, and Capio Partners bought it.
Here’s the thing. Capio Partners typically buys debts for much less than their balance. They then try to get you to pay the full balance back to them, so they pocket the difference.
That’s why it’s important to know how to remove Capio partners from your credit report or at the very least, negotiate with them to pay less.
Is Capio Partners Legit?
Capio Partners is a real company. Clients don’t like them, of course, because they are a debt collection agency, but they are legit. They’ve been in business for 12 years and are one of the top healthcare debt collection companies in the United States.
How to Remove Capio Partners from Your Credit Report
If you have Capio Partners on your credit report, it’s important to know how to remove them. Not only will they call you and send you letters, but the presence of the collection on your credit report will also drag your credit score down.
Depending on where your credit score started initially, it could drop as much as 100 points with a collection. Fortunately, there are ways for you to remove negative items from your credit report.
Here’s how to remove it from your credit report.
#1. Hire a Credit Repair Company
The easiest way to remove them is to hire a credit repair company. The professionals at a reputable credit repair company know what to look for in even the smallest details.
They’ll fight every aspect of the collection that isn’t fair or accurate, as that violates the Fair Credit Reporting Act (FCRA).
Thebest credit repair companies charge monthly, so that’s something to consider. Still, if you only have one collection to worry about, you may not need their services for long. Even if you have more than one collection and it takes longer, it’s often worth the cost knowing they will help you clean up your credit.
#2. Goodwill Deletion
If you have good credit and a decent payment history minus this one ‘slip up,’ request a goodwill deletion. Creditors and collection agencies aren’t obligated to accept your request, but you can ask. But do it in writing.
The idea is that you explain your situation and demonstrate that it was a one-time deal. With medical debt, a big reason clients don’t pay it is they don’t know about it. They assume their insurance company picked up the tab. They don’t realize the debt is unpaid until they get a call from Capio Partners.
If this sounds like you, explain the situation in writing and ask for a goodwill deletion. You’ll have to promise (and do it) to pay the bill as agreed. If you do, Capio may erase the collection from your credit report.
Don’t pay them anything until you have an agreement in writing, though.
#3. Debt Validation
Medical debt often gets confused and misreported. You have 30 days from the date they first contact you to ask for debt validation. I highly suggest you do this.
Request it in writing. Ask Capio Partners as many details as possible about the debt, including who the original servicer provider is and ask them to provide written proof that you owe the amount they say.
If they can’t validate the debt within 30 days of your request, they must erase it from your credit report.
#4. Negotiate a Pay for Delete
If the debt is valid and you’ve run out of options, consider requesting a pay for delete. Again, Capio Partners isn’t obligated to approve your request, but it doesn’t hurt to ask.
In writing, ask them to accept your payment amount (whether it’s the full amount or a negotiated amount), and in exchange, they should delete the debt from your credit report.
Technically, they shouldn’t do this since it doesn’t accurately reflect your credit history, but if this was a one-time deal, an oversight, or a result of some other mishap, they might be willing to do so.
Capio Partners Consumer Complaints
Obviously, no one likes a debt collection agency, so it makes sense that there are complaints. Capio Partners has an excessive amount of them, though.
In the last 3 years, there were 460 complaints with 163 of them within the last 12 months. Most complaints are from people who have no idea where the account that Capio Partners claims they have is from. They also state it’s hard to get a hold of Capio Partners and that no one truly answers their questions.
How Do I Contact Capio Partners?
Below is Capio Partners mailing address and phone number for you to use.
- Mailing Address: 1745 N Brown Rd #450, Lawrenceville, GA 30043
- Phone Number: 1-678-682-3680
Can You Remove Capio Partners from Your Credit Report?
You have to do the legwork to remove Capio Partners from your credit report. Just paying the collection won’t remove it.
I recommend that you don’t pay anything until you have a strategy. Whether you work with a credit repair company, or do the work yourself, get an agreement in writing from Capio Partners regarding your settlement.
Even if you decide to pay the balance in full, work it out with them so that they remove the debt from your credit report BEFORE you pay them. Again, get everything in writing.
Bottom Line: How to Remove Capio Partners from Your Credit Report
Finding a collection on your credit report isn’t fun, but it’s not the end of the world. As long as you know how to handle the debt from Capio Partners on your credit report, you’re in good shape.
Don’t wait too long to handle it though, especially if you want to validate the debt – you only have 30 days from their first date of contact.