Once the 180-day period is up, however, those bills can hit your credit reportand your score will likely take a hit. This is not a license not to pay your medical debt, Schulz cautions. Amid all of the recent fallout from the Equifax hack, theres actually one bit of good news this week about your credit report: A new set of rules taking effect today will make it harder for medical debt to hurt your ability to borrow money. Its a big deal, says Matt Schulz, senior industry analyst at m. It builds time into the messiness of getting insurance claims taken care of. Until now, there was no grace periodmedical debt could appear on your report as soon as the bureaus received notice of any unpaid bills from a collection agency.
Negative information, including any unpaid medical debt, remains on your credit report for up to seven years, Schulz says, although its impact on your overall score lessens over time. How badly will those unpaid medical bills hurt your credit score?
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