credit report medical bills
credit report medical bills
How do unpaid medical bills that was sent to collection appear on your credit report?
I have some questionable medical bills that went to collection. They are small amounts. I did not pay them because I told them that they are supposed to be covered by my health insurance. Then I started receiving letters from collection agency. I still did not pay them and reiterate that they are supposed to be covered by my insurance. This bills was about 3 years ago. Will this affect my credit score? I don’t see anything on my credit report about medical bills. Only credit cards and car loans.
Even small amounts affect your credit score. These bills would most likely show up as “charge-offs” or “closed-unpaid” meaning that they were written off by the hospitals/doctor’s offices as bad debt.
If I were you, I’d go back through your records and get them resolved with the insurance company and collection agencies. Just because they don’t show up now doesn’t mean that they won’t show up later.
Most importantly, keep good records of any billing or credit disputes you ever have. Keep every letter, email, contact name, dates of conversations, etc. If you ever have to challenge something on your credit report or in a courtroom these documents will be your saving grace.
