Medical Debt and Your Credit Report: What You Need to Know
Medical debt and collections typically remain on credit reports for 7 years from the delinquency date. The Fair Credit Reporting Act (FCRA) allows medical data up to 25 months old to appear in some cases.
Important Change (Effective July 1, 2023): Medical bills under $500 no longer appear on credit reports. However, unpaid medical debt sent to collections accounts is not covered by this change.
Monitor your credit report and dispute any inaccuracies.
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