Recent changes
In 2022-2023, the three major credit bureaus removed paid medical debt and unpaid medical debt under $500 from credit reports. Medical debt in collections now has a one-year grace period before appearing on your credit report.
What can still affect credit
- Unpaid medical debt over $500 in collections for more than one year
- Medical debt converted to a personal loan or credit card balance
What to do
Dispute any medical debt on your credit report that is inaccurate, paid, or below the reporting threshold. You can dispute directly with the credit bureaus.
General information only. Credit reporting rules change — verify at consumerfinance.gov.