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Question By
cozttss

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I owe a lot of money for medical bills, but I can't get a credit score. Do I have credit?
I don't know if I have credit. Credit Karma can't find my file. I have a bunch of medical bills from the last four years that are all way overdue, so I've just assumed I have bad credit. If I did have credit, what would I have to do to check a score for the first time? Or, could no credit score just mean it hasn't counted my medical bills against me because of my lack of credit in the first place?

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No credit score = thin file

To have a credit score, you generally have to at least have 1 line of credit open with several months of history in order for there to be enough information to generate a credit score. No one on here can see your credit report, so I can't tell you whether or not those medical bills are on your credit reports. If you owe to collection agencies for those bills, then there's a chance that they are already on your reports or soon to be added onto your credit reports.

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