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Will unpaid medical bills affect my credit score?

Medical bills that have been paid will not appear on your credit reports or impact your credit scores. Whether unpaid medical debt will affect your credit depends on the original reported balance, how long the debt has existed and which credit scoring model is used.

Should medical bills be included on a credit report?

In March 2022, the CFPB estimated medical bills accounted for $88 billion of reported debts and began assessing whether unpaid medical debt should be included on credit reports. “We consistently found that medical billing data on a credit report is not predictive of future repayment,” Chopra said.

Should medical debt be included on credit reports?

In December 2014, the CFPB reported that medical debts offer less predictive value than other debts. In March 2022, the CFPB estimated medical bills accounted for $88 billion of reported debts and began assessing whether unpaid medical debt should be included on credit reports.

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