What does COM MED CRDT mean on my credit report?

Learn about COM MED CRDT, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
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COM MED CRDT is shorthand for Commercial & Medical Credit Services, with the company name being Commercial & Medical Credit Services Inc

Using unique, customized tools we can quickly save you time, money and aggravation. Commercial & medical services, inc. has collected bills across the country for the last 38 years. Our staff has over 100 years of combined experience in the collection industry. Like most collections companies, commercial & medical credit services, inc. does not access our charges until our clients have received payment in full.

COM MED CRDT is a Creditor provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with Commercial & Medical Credit Services.

  • ⚫ You opened a credit card / loan / mortgage with this company.

  • ⚫ Someone fraudulently opened a credit line under your name.

How do I contact them?

Here is the current contact details for Commercial & Medical Credit Services:


  • 9844 Lorene, San Antonio, TX 78216, USA



  • [hcmiranda@sbcglobal.net monica@cmcs-sa.com](mailto://hcmiranda@sbcglobal.net monica@cmcs-sa.com)



the information does not provide instructions on how to make a payment. It provides information about the services offered by Commercial & Medical Credit Services. Commercial & Medical Credit Services, Inc. collects past due accounts and provides payment monitoring systems for its clients’ accounts receivables but does not appear to offer a monthly payment plan. Commercial & Medical Credit Services does not provide payment refunds. payments cannot be made over the phone through Commercial and Medical Credit Services, Inc. CMC provides online payment systems for clients’ accounts receivables. CMC does not offer a discount for automatic payments. CMC only offers payment monitoring systems for its clients’ accounts receivables and does not accept checks or money orders. CMC features an effective collection system that enables efficient payment monitoring and processing via their mobile app. there are penalties for late or missed payments. CMC’s collection system features effective collection of outstanding accounts receivables while maintaining patient relations, and their fee structures are based on age, size, and volume of accounts. CMC offers services for payment monitoring systems, including payment by prepaid debit cards. CMC offers payment monitoring systems that include wire transfer as an option.

Question Answer
Do they offer a monthly payment plan? No
Can I make payments over the phone? No
Can I make payments online? Yes
Do they offer a discount for automatic payments? No
Can I make a payment using a mobile app? Yes
Can I make a payment using a prepaid debit card? Yes
Can I make a payment using a wire transfer? Yes

Forgiveness and Cancellation

there are several ways to qualify for loan forgiveness. You may consolidate your loans, which could make loan forgiveness easier to obtain. There are also specific programs that offer loan forgiveness, such as the Public Service Loan Forgiveness Program.

Question Answer
Do they offer loan forgiveness? No
Do they offer loan consolidation? No

How to Apply

You can apply for a loan online, over the phone, or in person. You may also be able to apply for a loan using a mobile app. You may need a cosigner for some loans.

Question Answer
Can I apply for a loan online? No
Can I apply for a loan over a phone call? No
Can I apply for a loan in person? No
Can I apply for a loan using a mobile app? No
Can I apply for a loan with a cosigner? Yes

Will this affect my credit score?

Whether this account affects your credit score depends on a variety of factors, such as:

  • Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
  • Derogatory Markings: If this account has any derogatory markings such as: Lates, Charge Offs, Collections and others.

However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:

  • Account Age: If your account is quite old, then the age of it will positively impact your credit score
  • Repayment History: If the account has no Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.

Can it be removed from my credit report?

Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.

However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.

How do I remove COM MED CRDT from my credit report?

You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.