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Posted in Paying Your Bills
Do medical bills go against your credit?
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Question By
juba0988

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before they go to collections NO- they wont even appear.

AFTER they go to collections- then YES they will appear, and since they were as a result of a a failure to pay, they are a NEGATIVE and WILL HURT YOU SCORE.

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Response by
matman1490

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@TANYIACM10: Pay the creditor, and ask them to remove it from your report OR mark as PAID IN FULL.

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Reply by
turquoise25

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WELL ME BEING YOUNG, I DIDN'T KNOW THAT BUT ONCE IT REACHES THERE IS THERE ANY CHANCE OF REDEEMING YOURSELF AND YOUR SCORE??

Reply by
TANYIACM10

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@juba0988: Best advice: if you've bills you cannot pay, please, PLEASE talk to the doctor or whomever the medical bills are from. Tell them you will pay $X amount each month, AND MAKE GOOD ON THAT. Do NOT miss a payment. DO keep up with payments, and call them ever so often to check your balance and make sure they're receiving your payments.

*Source: Experience!

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Response by
turquoise25

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Even though it does effect your score and does ding your perfect credit, they are still seperated as medical credit and a lot of companies won't hold that against you.  Mortgages might, credit cards... not so much. 

Response by
dicesha

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 all you have to do is call them, tell them all you can afford is $5.00 a month, and they have to accept payment!  This will not affect you negatively, since you are making the attempt to pay.

Response by
kkathy

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What if you were making the payments arranged on time and it went to credit report anyways? Can it be removed?

Response by
phatgear

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@phatgear: Contact the creditor and see why it went to your credit report if you were paying it on time.

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Reply by
turquoise25

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