I think that you are wrong: https://www.experian.com/blogs/ask-experian/medical-debt-and-your-credit-score/ https://www.experian.com/blogs/ask-experian/medical

I think that you are wrong: https://www.experian.com/blogs/ask-experian/medical-debt-and-your-credit-score/ https://www.experian.com/blogs/ask-experian/medical-debt-and... > Medical bills will not affect your credit as long as you pay them. However, medical debt is handled a little differently than other types of consumer debt. Since most health care providers don't report to credit bureaus, your debt would have to be sold to a collection agency before appearing on your credit report. Most medical providers won't sell the debt to a collection agency until you are 60, 90 or even 120 days or more past due. Exactly when that happens depends on your health care provider. Sounds to me like it's still going on your credit report. Just might take a little longer.