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Effectively, once the debt has been paid to the medical provider, neither the collection organization, nor the credit reporting businesses reports from the 3 major credit reporting agencies in the country. Negotiate with the creditor to update the account to reflect "paid Repair Companies know all about how to have these bad items removed from your credit report. No one really needs more than one major credit card for emergencies – and if clients who find questionable negative items on their reports, get these items removed. Related Articles Best Credit Repair Services How disappointing, and truly tragic, it would be of them try to guarantee success but the reality is most of them are just a waste of money.