Medical debt question

[donkort]

This seems to be true.

https://www.acainternational.org/news/first-wave-of-medical-debt-credit-reporting-changes-starts-jul...

[FireMedic1]

Your correct.

"In addition, the time period before unpaid medical collection debt appears on a consumer’s report was increased from 6 months to one year, giving consumers more time to work with insurance and/or healthcare providers to address their debt before it is listed on their credit file."

https://www.equifax.com/personal/education/credit/score/can-medical-debt-impact-credit-scores/ 

[MeredithLepore]

You right. I believe the debt won't impact your credit until one year after your provider sends it to collections. However, rather than deal with a debt collector, you may want to work out a payment plan with your care provider now to slowly pay it off while on a reduced income rather than hold onto the debt and forget about it.

[donkort]

I agree.  You don't want that on your credit report.  If it is on your credit report, I would shoot for "pay for delete" from all three bureaus.

[FireMedic1]

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@donkort wrote:

I agree.  You don't want that on your credit report.  If it is on your credit report, I would shoot for "pay for delete" from all three bureaus.

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@donkort 

"I agree.  You don't want that on your credit report.  If it is on your credit report, I would shoot for "pay for delete" from [From the OC or CA] Not the CRA's.

[donkort]

Right.  Of course.  The objective is to have them deleted from the credit reports--by the collector or original creditor.