Can medical debt affect credit scores?


I am wondering this because I have been doing my best to pay bills on time and pay off debts but my credit score has not improved in quite some time. I do have medical debts from a few years ago when I didn't have insurance so I am wondering if this could be the cause?

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May 10, 2020 8:33 PM

The only time a medical bill or debt will effect your credit score is if a collection agency gets involved. At this point, it is turned over and will be marked as an issue on your credit report.

May 19, 2020 8:27 PM


Medical debt does not affect your credit score unless it's reported to a credit bureau, and virtually no hospital or medical provider will report the debt directly, according to the National Consumer Law Center (NCLC). However, they might turn it over to a collection agency, which might report it.

May 26, 2020 8:58 AM