Credit Advice

Unpaid hospital bills can affect your credit

Have a question?

Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can't find what you're looking for, please fill out the form, being as specific as possible.

Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.

Our policies
The information contained in this column if for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation.

Please understand that Experian policies change over time. Column responses reflect Experian policy at the time of writing. While maintained for your information, archived responses may not reflect current Experian policy.

Credit Advice

Unpaid hospital bills can affect your credit

Dear Experian,

Do unpaid, uninsured hospital bills affect your credit?

- SSI

Dear SSI,

Yes, unpaid hospital bills can affect your credit report if they are sent to a collection agency to recover the amount you owe.

Medical collection accounts can appear on your credit report because they are debts you owe that could affect your ability to repay other current or future debt. When a lender receives your report, Experian lists the collection account as “medical collection.”

We remove the name of the medical facility or physician so that businesses reviewing your credit report do not receive information that could indicate the medical condition for which you were treated and which could affect a businesses decision, such as hiring for a new job.

However, when you request a copy of your personal report, the source of the collection account is provided as it was reported to Experian by the collection agency so that you will know who is reporting the information and can contact it if necessary.

A medical collection is typically evaluated like any other unpaid debt and likely will have a serious impact on credit scores and your ability to obtain new credit.

Thanks for asking.

- The "Ask Experian" team

  • © 2014 Experian Information Solutions, Inc. All rights reserved.