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Select a topic from our most recent column – October 4, 2006

Medical bills and your credit report

Dear Max,

How do medical bills affect credit? Do they stay on the report until paid, or roll off after a certain amount of time?


Dear QUA,

Medical bills do not usually appear on your credit report until they have been sent to collections. At that point, they have the same effect as any other collection account. They will remain on your credit report for seven years.

To protect your privacy, no medical information, including the name of the medical service provider, is shown when your credit history is provided to others. The account entry will be listed only as a medical collection.

The name of the collection agency or medical service provider will appear on your personal report when you request it directly from Experian so that you will know the source of the debt and how to contact them if necessary.


Thanks for asking.

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