Credit Advice  Medical judgments negatively impact credit
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Medical judgments negatively impact credit history  Dear
Experian,  I was told that medical judgments don't have the same
impact or weight on a credit report as a poor credit card
payment history or another form of bad debt. Is this true?
Dear KLB,  It is probably not true. Some lenders may give less
importance to medical debts as a matter of their individual
policy, but in terms of how it is shown on a credit report, a
medical debt is treated the same as any other unpaid debt.
Medical debts typically only appear on a credit report when they
have been sent to collections. Collection accounts are very
negative because they show not only that you missed a payment,
but that you did not repay the debt at all, and a debt
collection organization is now trying to collect at least part
of the debt.  For that reason, a medical collection account,
just as any other collection account, will likely have