> Most credit scores are ignoring medical collections or deemphasizing it. Absolutely false. Modern FICO scores are doing that. The FICO score your bank will a

> Most credit scores are ignoring medical collections or deemphasizing it. Absolutely false. Modern FICO scores are doing that. The FICO score your bank will actually use doesn't differentiate debt. > Credit is overrated anyway. Causes more troubles than it's worth. I suppose if you never want to be a homeowner that's true.