Can Medical Bills Hurt Your Credit

Many patients who have taken medical facilities treatment due to some chronic or serious illnesses experience negative credit reports. People often wonder if the medical bills are to be blamed for dropping down the credit score of a person who has been diligently paying all the bills. If you cannot pay your medical bills for more than 180 days, it will appear on your credit score, and unfortunately, even after paying off the medical bill credit score remains the same as it stays there for up to 7 years.

Now, suppose you are in a situation where you had to go through intensive care, and now you are handed down with a medical bill that has a number beyond your expectation. You cannot pay for it, and you are not receiving any help from your insurance company or the hospital. So when the medical bills appear on your credit report, how can you eliminate the negative marking? Here are two possible solutions that might work for you:

1. Reclaim Your Medical Insurance

One of the effective ways of getting rid of the credit report created by your unpaid medical bills is to ask the insurance company to reconsider your claim to the insurance. At times, the insurance company could not follow the procedure, and the insurance claims get rejected. However, you can ask them to reconsider your claim and pay for your medical bill because even if you pay your medical bill, the report will not get erased. But when the insurance company pays for the medical bill, the credit bureaus remove the credit report immediately.

2. Resolve a Dispute for the Medical Bill

If you have been handed down with an unreasonable medical bill that you have not been able to pay and affect your credit score, it is better to seek external help. You can get in touch with companies specializing in dealing with medical bill credit scores, and they can help you resolve the dispute for the medical bill with your medical care providers. If the medical bill is at fault, the credit bureau will be notified about this fault, and they will remove your credit report.
There are situations where you can always avoid getting your credit score affected by medical bills. So what can you do to prevent your medical collections from appearing on your credit score? Here are some possible solutions:

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Location: Jacksonville, FL 32256, USA

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