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Do medical bills affect my credit score?

  • November 02 2013 - US
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Answers (4)

Yes! If you do not pay off the medical bills they will certainly hurt your credit score.
  • November 04 2013
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Anything you have under your social security number that is reported to the credit bureau will either positively or negatively affect your credit.  If you can't pay off something, a lot of creditors will work with you to reduce amounts or even stop interest rates.  They would rather do that than get nothing.  BUt it takes a pro-active approach by you to get something like that started.  For old debts sent to collection, they buy those real cheap.  You can normally easily get creditors to settle for even half the debt, but make sure they agree to settle for less up front in writing and then once paid, get invoice showing paid and send to all 3 credit bureaus to ensure updated status.  This will still hurt your credit but if you are in a real hole it will start to get better once the status changes. But believe it or not initially it might even worsen your credit by having the account opened.  I believe they say never re-open even to pay, something over 7 years old.  
  • November 02 2013
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Medical bills will only affect your credit score if they have been sent to a collection agency and reported to the credit bureaus.
  • November 02 2013
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The bills themselves won't unless you don't pay them and they report that to the credit companies. That holds true for all bills.
  • November 02 2013
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