{"id":1034,"date":"2021-10-11T14:14:11","date_gmt":"2021-10-11T14:14:11","guid":{"rendered":"https:\/\/www.lendnation.com\/medical-bills-and-your-credit\/"},"modified":"2025-07-30T14:20:57","modified_gmt":"2025-07-30T14:20:57","slug":"medical-bills-and-your-credit","status":"publish","type":"post","link":"https:\/\/www.lendnation.com\/blog\/article\/medical-bills-and-your-credit\/","title":{"rendered":"Medical Bills and Your Credit"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2021-10-11T14:14:11+00:00\">October, 2021<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">Medical Bills and Your Credit<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/financial-tips\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--teal\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Financial Tips<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2021\/10\/reviewing-medical-bills.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2021\/10\/reviewing-medical-bills.jpg 5184w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2021\/10\/reviewing-medical-bills.jpg?resize=300,150 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2021\/10\/reviewing-medical-bills.jpg?resize=768,384 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2021\/10\/reviewing-medical-bills.jpg?resize=1024,512 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2021\/10\/reviewing-medical-bills.jpg?resize=1536,768 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2021\/10\/reviewing-medical-bills.jpg?resize=2048,1024 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<p>It happens to the best of us. We\u2019re human, and we get sick. It\u2019s part of life.<\/p>\n\n\n\n<p>But what happens when you\u2019re between insurance providers and you have an unexpected ER visit? Or you discover that your achy knee is actually a torn ligament that requires surgery?<\/p>\n\n\n\n<p>When <a href=\"https:\/\/www.lendnation.com\/blog\/article\/how-to-deal-with-a-financial-emergency\">medical expenses hit<\/a>, they often hit hard. But there are ways to mitigate the impact they can cause to your finances, so you can focus on your health and recovery rather than your bills. Here we\u2019ll explore how medical bills can affect your credit and how to minimize any negative impact.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-medical-bills-affect-my-credit\">How Do Medical Bills Affect My Credit?<\/h2>\n\n\n\n<p>The good news is, <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/medical-debt-and-your-credit-score\/#:~:text=Medical%20bills%20will%20not%20affect,appearing%20on%20your%20credit%20report.\" target=\"_blank\" rel=\"noopener\">medical bills<\/a>&nbsp;don\u2019t impact your credit score as long as you pay them off, either incrementally or all at once. In fact, most hospitals or medical groups will work with you on a monthly payment plan to keep your bill from being sent to a collections agency.<\/p>\n\n\n\n<p>If a bill does slip through the cracks and is sold off to a collections agency, you typically have 180 days to pay off the debt before it impacts your credit, since medical bills sometimes get tricky due to insurance. If that 180-day grace period passes with no payments made, then the bill will reflect on your credit report and your rating will drop. However, in most scoring models, medical bills don\u2019t have quite as heavy an impact on your credit as other types of debt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-if-my-bill-goes-to-collections\">What if My Bill Goes to Collections?<\/h2>\n\n\n\n<p>When you\u2019re overwhelmed with medical bills on top of the rest of your normal monthly expenses, it\u2019s easy to set the medical bills aside and forget about them, and before you know it you\u2019re getting calls from a <a href=\"https:\/\/www.creditkarma.com\/advice\/i\/how-to-remove-medical-collections-from-credit-reports\" target=\"_blank\" rel=\"noopener\">collections agency<\/a>. So what steps should you take if your medical expenses wind up in collections?<\/p>\n\n\n\n<p>As discussed earlier, if you pay your bill off within 180 days, it most likely won\u2019t show up on your credit report at all. But if this isn\u2019t an option, there are a few routes you can take:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Get on a payment plan. <\/strong>Collections agencies are typically willing to work with you if you\u2019re unable to pay the full debt at once. See if you can set up a monthly payment plan that will keep your payments reasonable but still allow you to make progress toward resolving your debt. <\/li>\n\n\n\n<li><strong>Double-check your bill for errors. <\/strong>Occasionally hospitals overcharge or insurance companies underpay. If you feel your bill is inaccurate, ask the hospital or medical provider for an itemized bill that outlines all the services and treatments you received so you can <a href=\"https:\/\/www.credit.com\/blog\/medical-bill-myths\/\" target=\"_blank\" rel=\"noopener\">check for errors and dispute them<\/a>&nbsp;if necessary. <\/li>\n\n\n\n<li><strong>Request financial aid. <\/strong>If your medical bill is particularly burdensome, you may qualify for <a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/is-there-financial-help-for-my-medical-bills-en-2124\/\" target=\"_blank\" rel=\"noreferrer noopener\">financial aid <\/a>that can reduce your bill significantly. Contact the hospital or medical provider directly and ask about their financial aid programs.<\/li>\n\n\n\n<li><strong>Negotiate a payoff deal.<\/strong> Sometimes creditors will take a lesser amount if you can pay off the entire debt at once. Call your creditor and see if they\u2019ll cut you a deal for paying your debt in full.<\/li>\n<\/ul>\n\n\n\n<p>If you miss the 180-day grace period and your credit has been impacted, it\u2019s even more important to pay off your bill as quickly as possible, because some collections agencies will pursue legal action against you. This can result in garnishing your wages.<\/p>\n\n\n\n<p>At this point, your only option to remove a medical bill from your credit report is to pay off the debt. You can set up a payment plan directly with the collections agency, or if you need to <a href=\"https:\/\/www.lendnation.com\/blog\/article\/tips-to-build-a-good-credit-score\" target=\"_blank\" rel=\"noopener\">repair your credit <\/a>quickly, you can explore other payoff options.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-can-i-prevent-medical-bills-from-impacting-my-credit\">How Can I Prevent Medical Bills from Impacting My Credit?<\/h2>\n\n\n\n<p>Although medical debt doesn\u2019t hit your credit nearly as hard as derogatory marks such as late payments or legal judgments, it\u2019s still not ideal to have on your credit report. The only way to keep these unexpected expenses from wreaking havoc is to pay them off before they ever reach collections, which is easier said than done.<\/p>\n\n\n\n<p>A loan from LendNation can help you pay off your bill quickly. LendNation offers a number of loan options \u2013 title loans, installment loans and payday loans \u2013 to get you the cash you need, fast. Convenient online and in-store loans can help you worry less and keep your credit intact.<\/p>\n\n\n\n<p>Don\u2019t let unexpected expenses ruin your credit. <a href=\"http:\/\/www.lendnation.com\/\">Apply for a LendNation loan today<\/a>!<\/p>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<h2 class=\"wp-block-heading has-display-small-font-size\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--50)\">Explore Related Posts<\/h2>\n\n\n\n<div class=\"wp-block-group p-latest-posts-columns is-style-default is-layout-flow\">\n\t<div class=\"wp-block-query is-layout-flow\">\n\t\t<ul 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href=\"https:\/\/www.lendnation.com\/blog\/\">Visit Blog\n\t\t\t                                                                                                  Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>When medical expenses hit, they often hit hard. Get LendNation&#8217;s tips for navigating medical expenses.<\/p>\n","protected":false},"author":18,"featured_media":1035,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[67],"tags":[56],"class_list":["post-1034","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-tips","tag-online-payday-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Medical Bills and Your Credit - LendNation<\/title>\n<meta name=\"description\" content=\"When medical expenses hit, they often hit hard. 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