

You can pay medical debt by negotiating a discount or payment plan with your provider. Take advantage of assistance programs, savings or an interest-free credit card. Being proactive can prevent medical bills from being reported to a credit bureau.
Unpaid medical debt can interfere with your ability to qualify for credit cards, loans and other types of financing. While medical debt doesn't show up on your credit report right away, it can still damage your credit score if it goes unpaid. Here's what to know about how medical debt affects you and how to minimize its impact on your credit.
Medical bills can appear on your credit report if they become seriously overdue and are sent to a collection agency. Changes in credit reporting policies in recent years mean only certain medical collections will show up on your credit report. Paid medical debt, unpaid medical debts under $500 and unpaid debts less than one year old are no longer reported by the three major credit bureaus.
Several states have additional consumer protections that limit how and when medical bills can be reported to credit bureaus including:
In early 2025, the Consumer Financial Protection Bureau (CFPB) passed a rule that would have banned all medical debt from being reported to credit bureaus. However, this rule bill was later vacated by a federal judge. As of now, medical debt may still appear on your credit report under certain conditions. The ruling did not mandate the inclusion or exclusion of medical debt in credit reports.
Because newer FICO® ScoreΘ and VantageScore® credit scoring models give less weight to medical debt than older versions, medical collections may not significantly harm your credit scores. This is especially true if your other credit history is positive.
Learn more: Credit Score Basics: Everything You Need to Know
Like other types of collections, unpaid medical collections can stay on your credit report for up to seven years. However, updated credit reporting policies mean:
If you can resolve your medical debt quickly or keep it below $500, it may never show up on your credit report at all.
It's important to address medical debt head-on to avoid long-term consequences. Here are some ways to take control of your medical bills:
Tip: Don't ignore medical bills. Working with your provider proactively can help keep medical debt out of collections.
If your medical debt has already been sent to collections, there are some steps you can take to protect your credit.
Learn more: How to Deal With Debt Collectors
Medical debt doesn't always show up on your credit report, but when it does, it can have lasting consequences for your credit health. Fortunately, credit reporting agencies have made recent changes that offer more protection, especially for smaller or newer medical bills.
You can check your credit report for free to see if any medical bills are listed. If you find medical debt on your report, the strategies detailed above can help you resolve it and take steps toward improving your financial well-being.
Your free credit report lists all your debts, such as credit card balances and loans, helping you create a plan to tackle your debt and improve your financial health.
Review your creditLaToya Irby is a personal finance writer who works with consumer media outlets to help people navigate their money and credit. She’s been published and quoted extensively in USA Today, U.S. News and World Report, myFICO, Investopedia, The Balance and more.
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