Yes. Your medical history isn’t listed on your credit report, but past-due medical bills can negatively affect your credit. However, there are laws to protect against certain practices in medical debt reporting.
Reparing credit after unpaid medical bills
If you are struggling with health-related debt or have had your credit score take a hit due to medical bills, you are not alone. However, there may be steps that can be taken to alleviate some of the damage done to your credit score and credit history.
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The Medical Focus Track
Federal law requires that credit reporting related to medical accounts be conducted in a manner that preserves your privacy rights as detailed by the Health Insurance Portability and Accountability Act. We will leverage these protected rights as applicable as we proceed with your case.
What you get
Here are the specific features you can expect from the Medical Focus Track
Review of All Credit Reports
Access to Lexington Law Credit Advisors
Case Update Tracker
Credit Bureau and Lender Intervention Services
Repairing Credit Impacted by Medical Events
It’s very likely that as you face medical debt, other credit accounts may be affected. If this is the case, we can help you mitigate the damage to any other accounts that have been affected by your medical event by creating and sending credit bureau challenges and creditor interventions as applicable, in addition to leveraging the goodwill of your creditors.
FAQs
Yes—although the CFPB stipulates that the credit bureaus must wait 180 days before reporting medical debt to allow any insurance payments to go through.
As we mentioned up above, there are strict credit reporting practices related to medical debt. We can help you work to remove any inaccurate items that may be negatively affecting your credit score, or reach out to your lenders to ask for a goodwill removal.
Each situation is different, and it’s difficult to estimate how long it can take to repair your credit. However, you will be able to track your credit repair process. You can stay up to date with any inaccurate items on your credit report and progress being made on your individual case through Lexington Law’s online portal.
If you have questions about recent changes to your credit score or reports, call one of our credit advisors for assistance.
“From day one, Lexington Law Firm, as a company and its staff of attorneys, has given me so much and treated me like I was an important person. Y’all have given me hope when I thought I was helpless.”
Betty
AL
More on credit repair after divorce
How to Remove Medical Bills From Your Credit Report
Credit scores are tarnished in a variety of ways. For some, the low score is a result of negligence and overspending, but for others, the reasons are often completely out of their control.
Protection of your consumer rights
Our firm will keep your information secure as we take steps to protect your consumer rights and your credit during this challenging life event.