Is hospital account information shown on a credit report?

Answer 1

Yes it is, right under the hospital's name. Generally, paid and satisfactory hospital bills do not show on a consumer's credit report. Unpaid bills that go to a collection agency are frequently reported. Most hospitals and medical providers have existing arrangements with collection agencies that processes unpaid bills rather quickly.

Answer 2

Yes an unpaid hospital bill will show on your credit report, however, if you are disputing the bill you can write to the credit reporting agencies(all 3) and have the dispute added to your file. This way if anyone pulls your credit report this cannot be taken into acccount for future credit.

Answer 3

The conventional credit score is only affected by your borrowing activities - i.e loans, credit cards etc. Bills such as hospital bills will have no effect unless you declare bankruptcy.

There are other types of "creditworthiness" scores that are becoming commonly used. These do take into effect other factors and are generally not released to the public. So delinquency is paying bills can affect your ability to get credit even though the usual "credit score" will remain unchanged.