Can medical debt impact a credit score

Your medical history is certainly not part of a credit report, but past due medical debts can affect your credit reports and credit scores if a doctor or hospital hires a medical debt collection agency to pursue payments.

A sickness, illness or surgery can result in unexpected and unplanned medical bills. While health insurance may help, many people still struggle to pay medical bills while trying to put food on the table.

As of Sept. 15, 2017 there’s a 180-day waiting period when a healthcare provider turns your account over to a collection agency because you haven’t paid the amount due, before the unpaid medical debt can show up on your credit report.

The waiting period allows consumers time to make payments or payment arrangements before the collection agency can report the debt as past due.


When you receive your bill, be sure to examine it carefully and compare it with the explanation of benefits provided by your health insurance provider. If you believe you've found an error, contact your medical provider or health insurance company.

If you’re facing mounting medical expenses, here are some things you may want to consider that may help prevent medical bills from appearing on credit reports:


Contact your health insurance company. Know your coverage and follow up to ensure the company is paying costs it has agreed to cover.

Negotiate with your health provider. If you can’t afford to pay a bill, try to work with your medical provider to reduce the amount owed or set up a payment plan.

If you believe medical debt has been listed on your credit report erroneously, contact the medical provider or collection agency first. You can also file a dispute with the three major credit bureaus.


If possible, prepare for medical procedures in advance by finding out what your insurance will cover and what costs you’ll be responsible for.

It’s always a good idea to regularly review your credit reports to ensure the information is accurate and complete. You’re entitled to a free copy of your credit report from each of the three credit bureaus every 12 months.



Disclaimer: Any and all information is not intended to be, nor is it, legal advice. Please consult your attorney for information concerning allowable rates of interest.

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This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

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