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MommySSW

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Medical Bills and Collections
I have a number of unpaid hospital bills. When they go to collections, will they negatively impact my score? How long until they appear on my credit report? Can I negotiate with a collection agency to get a lower amount due?

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When the unpaid bill goes to collections, it will appear on your credit report and will remain there for 7 years from the date it went to collections or the date of the last payment, whichever is later.   You may be able to negotiate with the collection agent for a lower amount if they are willing to negotiate.  Be prepared for a lump sum payment.   Please review informaiton under "Pay for delete" to consider during your negotiation.   If you have payment arrangements with the hospital that you honor, even if it is a small amount monthly, they will not be able to send the account to collections and you can save yourself the trouble.

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