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this post was submitted on 31 Aug 2025
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I wouldn't pay it. As of now, medical debt can't hurt your credit score. When they send it to collectors, just deny the debt is yours. Refuse to give the collectors any info and don't accept the debt.
Do you have any sources?
I tried to double check and all i found is that:
https://ask.fdic.gov/fdicinformationandsupportcenter/s/article/Q-Can-medical-debt-impact-my-credit-score?language=en_US
I am preparing a pamphlet for getting and navigating US healthcare and that would be an amazing addition.
Apparently, 15 states prohibit it from hitting your credit. I was under the impression that it was nationwide.
By chance do you have a source to this?
It was a law from Biden that went into effect in January but trump had vacated in July, all this year. There's a lot of confusion on this because of the flip flop.
https://www.nclc.org/resources/dont-add-further-insult-to-injury-medical-debt-credit-reports/
This was the story I saw. I know in my state, it can't ding your credit.