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CareCredit is a company that offers a credit card for health care and medical financing. Many Americans like you are being contacted by collection agencies hired by CareCredit who are trying to get payments on defaulted accounts. Even though you may owe a debt to CareCredit or the collection agency it hired, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount being requested is inaccurate, if you feel the debt is not owed at all, or if you feel the debt is fraudulent.

If your alleged CareCredit account is with a collection agency, you can send a letter to that collection agency within thirty days of first being notified of the collection. You should send such a letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation or proof of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt.

    The Fair Credit Reporting Act (“FCRA”) regulates the credit bureaus’ responsibilities as to your credit report. There are many things credit bureaus are required to do as it pertains to their credit reporting. Credit Bureaus must:

  • report accurately;
  • conduct a reasonable investigation of any dispute you make with them as to inaccurate credit reporting;
  • clearly mark any trade line disputed by you as disputed by the consumer.

    Your best option is to consult with a consumer protection attorney if you believe your rights are being violated.


    1. Betty Mazza on July 25, 2014 at 4:21 pm

      Even though you make payments every month, as they ask, your bill still stays at or above your credit limit. Outrageous interest is added each and every month and this card never comes down or gets paid off. Customer service people were beyond rude when ever we called to discuss any issues.

    2. Laurie W. on April 24, 2015 at 9:42 pm

      We applied for a card with CareCredit as a way to pay for dental work at 0% over 12 months. CareCredit told us the 0% interest charges would begin on the date services were provided. My husband had his first dental work done 6 months later and we put this on the CareCredit card. This left us only 6 months to pay off what was supposed to be 12 months at 0% with CareCredit. The next month’s statement arrives from CareCredit and there is a new charge for $17 for “credit card services.”

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