Nothing spikes my stress quite like an unknown number — especially 800-823-2318 calling again and again. Each ring felt like a tiny burst of panic. If you’ve been experiencing the same relentless calls, you’re definitely not alone.
That number is linked to MediCredit, a well-known debt collection agency that primarily handles overdue medical bills. In this blog, I’ll break down who they are, why they’re calling, and the exact steps you can take to stop the calls while protecting your rights and your credit.
Who Is Behind 800-823-2318?
The number 800-823-2318 belongs to MediCredit, a third-party debt collection company based in the United States. They specialize in collecting unpaid balances from hospitals, clinics, and other healthcare providers.
While they are a legitimate business, it’s important to know that they must follow strict consumer protection rules outlined in the Fair Debt Collection Practices Act (FDCPA). That means they are not allowed to harass, threaten, or mislead you in any way.
Why Are They Calling Me?
If you’re receiving calls from 800-823-2318, it usually means MediCredit believes you have an unpaid medical debt. This could be a balance you forgot about, an insurance claim that didn’t process, or even a billing error.
In some cases, they may be contacting the wrong person entirely. Debt collectors often work with old or inaccurate data, so don’t assume the debt is valid until you’ve confirmed it.
Ignoring these calls won’t make them disappear, and they can potentially impact your credit — so it’s best to verify what’s going on as soon as possible.
What Should I Do If 800-823-2318 Keeps Calling?
Getting repeated calls can be overwhelming, but you have legal rights and several options to take control of the situation.
Request Debt Validation
Under the Fair Debt Collection Practices Act, you have the right to ask for a written validation notice. This document must include the name of the original creditor, the amount owed, and your rights to dispute the debt. Request this in writing as soon as possible.
Dispute If It’s Incorrect
If you believe the debt is not yours or the amount is wrong, you can send a dispute letter within 30 days of receiving the validation notice. MediCredit must stop collection efforts until they investigate and provide proof.
Ask Them to Stop Contacting You
If you want the calls to stop, send a cease-and-desist letter. Once they receive it, they can only contact you to confirm they’ll stop or to notify you of legal action.
Resolve Valid Debts Responsibly
If the debt is accurate and you can afford it, you can try negotiating a payment plan or a reduced settlement. Always get the agreement in writing before making any payments.
Can 800-823-2318 Affect My Credit Score?
Yes, unpaid debts handled by MediCredit can appear on your credit report as a collection account. This can lower your credit score and stay on your report for up to seven years from the original date of delinquency.
If the debt is valid, paying or settling it can sometimes improve your credit over time. If it’s inaccurate, disputing it promptly can prevent damage to your credit score altogether.
What Are My Rights When Dealing With MediCredit?
Knowing your rights can protect you from harassment and unfair treatment. The Fair Debt Collection Practices Act gives you several key protections:
- Collectors can’t call before 8 a.m. or after 9 p.m.
- They can’t use threats, obscene language, or repeated harassment
- They must stop calling your workplace if you request it
- They must stop all contact if you send a written cease-and-desist letter
If MediCredit violates these rules, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or speak to a consumer rights attorney.
Frequently Asked Questions About 800-823-2318
1. Is 800-823-2318 a scam?
No, 800-823-2318 is used by MediCredit, a legitimate debt collection agency. However, scammers sometimes spoof real numbers, so always verify who you’re speaking to before sharing personal information. Ask for written validation.
2. Can I block calls from 800-823-2318?
Yes, you can block the number on your phone. However, blocking won’t stop MediCredit from contacting you through mail or reporting the debt to credit bureaus. For a permanent solution, send them a cease-and-desist letter.
3. What happens if I ignore calls from 800-823-2318?
Ignoring calls won’t make the debt disappear. In fact, it can escalate the situation, possibly leading to negative credit reporting or legal action. It’s better to request validation and dispute or resolve the debt.
4. Can MediCredit sue me for the debt?
Yes, if the debt is valid and unpaid, MediCredit can file a lawsuit to recover it. That’s why it’s important to act quickly — either dispute the debt if it’s inaccurate or work out a payment plan if it’s valid.
Reclaim Your Peace From 800-823-2318
Calls from 800-823-2318 can feel intrusive and stressful, but you don’t have to let them take over your life. By verifying the debt, understanding your rights under the Fair Debt Collection Practices Act, and acting promptly, you can stop the harassment and protect your credit.
Whether you dispute an error or settle a valid debt, the key is to stay calm and informed. You deserve peace of mind — and with the right steps, those relentless calls can become a thing of the past.
