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?
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.
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.