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Yes ... the credit bureau only "sees" unpaid debt ... it does not determine who is owed or how the unpaid debt was incurred. You should be writing to the credit bureau's and explain the situation - they may drop the reported unpaid bill, but will not forgive the debt still owed ... that still needs to be paid back to the medical institution as soon as possible, as they are a business and rely upon money (income) to pay their bills and staff.

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17y ago

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Like other late payments reported to a credit reporting agency, an unpaid medical bill may stay on a credit report for up to seven years.


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How do I report an unpaid bill to a credit bureau?


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Yes. Some institutions/businesses do not report to credit bureaus. The debt not being placed on a credit report does not mean it is not completely valid and collectible.


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Any unpaid debt regardless of the nature of the debt will significantly affect your credit ratings. Medical bills can be purchased by a third party called a collection agency which could cause more derogatory postings to your credit file.


How long are unpaid medical bills on your credit score?

Unpaid medical bills are on your credit score until they are settled with the company that issued the bills or written off of the credit report. This could be for many years if you are making payments on the account or might end more quickly if you have declared bankruptcy.


How long do unpaid traffic tickets stay on a credit report?

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Can unpaid co-payments for Hospital bills hurt your credit report?

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