(Medical Collections) cannot be reported to the Credit Reporting Agencies ("CRAs") for six months from the date of the debt first goes delinquent. So, in reality it'll be at least seven months before medical collections can be reported to the CRAs. This gives the insurance process time to pay claims without the consumer ending up in collections for no reason. Medical collections that are paid, or are being paid by insurance, must be deleted from the consumer's credit reports. These debts arguably should have never been on the consumer's credit reports in the first place because they were to have been paid by their insurance coverage.
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