Called the hospital and they sent my bill to collections How long before the report it to my credit file they have not sent me any letters demanding payment my score is 740 no collections all postive how much time do i have before they report i paid them 50.00 and setup a payment plan but im stressed out my credit is my life...... how much time do i have getting this on my credit camt happend i have the money to pay it.... i cant imagine how many points i would drop if it hit....