Credit Advice

Medical judgments negatively impact credit history


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Credit Advice

Medical judgments negatively impact credit history

Dear Experian,

I was told that medical judgments don't have the same impact or weight on a credit report as a poor credit card payment history or another form of bad debt. Is this true?


Dear KLB,

It is probably not true. Some lenders may give less importance to medical debts as a matter of their individual policy, but in terms of how it is shown on a credit report, a medical debt is treated the same as any other unpaid debt.

Medical debts typically only appear on a credit report when they have been sent to collections. Collection accounts are very negative because they show not only that you missed a payment, but that you did not repay the debt at all, and a debt collection organization is now trying to collect at least part of the debt.

For that reason, a medical collection account, just as any other collection account, will likely have a very significant, negative impact on credit scores, and therefore, on lending decisions.

Thanks for asking.

- The "Ask Experian" team

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