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Posted in Paying Your Bills
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Question By
juba0988

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Do medical bills go against your credit?
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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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Reply by
turquoise25

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

Reply by
TANYIACM10

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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??

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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.

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grapevine44

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You cannot not just pay any amount, ThHe Doctor or hospital will send the bill to an agancy and they will report it.

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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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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. 

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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?

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Reply by
turquoise25

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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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Medical bills and student loans

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I always thought that medical bills were not suppose to be counted against you? Also, I have student loans, but my repayment does not begin til after graduation ( in about 8 mths) but they are still on my report? I have a low score even though I paid off a bunch of my accounts?? Most of mine are medical, that has went into collections. I'm not sure what to do? I would like to be able to get a house someday soon...Any advice? Thank you. P.S. I work part time and it is hard to pay on everything with what I have coming in, Also I have no health insurance, even though, I've applied for the obama affordable care act.

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