Unpaid doctor bills appearing in credit report

Dear Experian,

I am seeing that each time I go to the doctor and I do not pay those bills on time, the bill ends up on my credit report. This has resulted in 10 or more delinquencies, some of which are less than $50 each. How do I consolidate all these bills into one?



Dear JDY,

Your best option is to contact the creditor to discuss your billing options. Unfortunately, you may not be able to consolidate these accounts. Different services provided on different dates would likely be considered different debts and so would be reported as different accounts.

Once you become delinquent and the debt is sold to a collection agency, you run the risk of having it appear on your credit report, even if it is a relatively small amount owed.

The medical provider or providers may be willing to work with you to arrange a payment plan for your existing medical collection accounts. Each debt will be reported as paid once the amount owed has been repaid in full. Eventually each collection will be deleted from your credit report.

In order to avoid having future medical bills appear on your report work with the doctor’s office in advance to establish a payment plan so that you can avoid this type of situation in the future.

Thanks for asking.

- The “Ask Experian” team

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