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Can medical bills affect your credit report?

Your medical history does not have any influence on your credit history since it is not an integral part of the latter. Currently, the doctor or the hospital is waiting for 180 days for you to pay the bills. If you close them on your own before this period, then you can rest assured that your credit report remains untouched. However, if you fail to pay off the bills on time, the hospital is likely to turn your debts over to a collection agency. Once this happens, you will get a note on your credit history about such delinquency since collectors always report about such events to the credit bureaus. And such a note will lower your overall score.

Besides the note on your history, failure to pay a medical bill also affects your credit score since it worsens your general payment history (as the most significant factor in calculating your credit score).

However, there is a possibility to drop off all this messy information from your account. If the bills get paid by the insurance company (even after the 180-day period when the collectors are involved), all the negative marks will be erased from your credit history.

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