bizz0976 wrote:I am new to myfico. I have a very specific question. I have several old medical claims that were unpaid even though I had insurance. I was really sick and couldn't even answer the phone when the collectors called. I didn't even know anything was wrong with my credit until I went to buy a new car a few days ago. I called the originators of the bill and asked for the claims to be filed with my insurance company. They said that because of their contract with my insurance company they missed the timely filing deadline (they only have a year to file a claim). She also told me it is now my responsibility to pay. Does anyone know if this is correct? Are medical bills really held against your score?Thanks in advance.