Do Medical Bills Affect Your Credit Score?

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While receiving medical treatment is naturally crucial to maintaining your health, high medical costs may strain your finances. The management of repaid medical debt differs slightly from that of other consumer debts.

Usually, healthcare providers do not notify the credit bureau. Your bill would have to be transferred to a debt collector before it shows up on your credit report because a majority of healthcare providers do not report to credit bureaus.

Before transferring the debt account to a debt collector, most medical providers will wait until you are 60, 90, or even 120 days past due. Note that your doctor will determine the precise timing of the same.

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Can You Remove Medical Bills from the Credit Report?

Insurance companies and medical billers occasionally make mistakes, and thieves may use your name to obtain medical care. In this case, you have the authorisation of contacting the credit bureau to dispute medical collections that are inaccurate or the product of fraud if they appear on your credit report.

You should also get in touch with the medical provider and the collection agency. The accounts may be modified or deleted from your credit report if the dispute is resolved in your favour.

Keep in mind that although these challenges can be raised for no cost, they must be submitted individually to the agency that has inaccurate data. Be prepared to back up your claims with evidence.

What Happens if You Pay Your Medical Bills?

It's always advisable to pay off valid medical debt because it may have a significant impact on your credit score. Unpaid medical collection accounts can be found on your credit report and have a seven-year impact on your credit score.

However, the account will be erased from your credit report when you or your health insurer settle a hospital bill that was in arrears and that payment is submitted to the credit agency (al etihad credit bureau). Your credit may benefit right away as a result.

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What to Do if You Cannot Pay Your Medical Bills?

If you are aware that you will not be able to settle the medical bills timely, you have the following options -

  • Negotiate the Medical Bills - Since they would prefer to get some payment than none at all, healthcare providers are frequently eager to work with you in these cases. Some suppliers, for instance, offer significant savings if you consent to pay a smaller sum in full or if you put down a sizable down payment and pay the balance over time.
  • Try to Create a Repayment Plan - It is possible that your healthcare provider will agree to divide the bill into affordable monthly payments for your budget. Just be aware that the provider may add any interest or fees to the cost of the initial bill.
  • Consider Hiring a Medical Billing Attorney - Advocates for medical billing collaborate with healthcare providers and insurance firms to negotiate medical bills on behalf of patients. Although the service is not free, it may be worthwhile. An advocate for medical bills can help you avoid spending countless hours on the phone with insurance companies and provider offices and save you thousands of dirhams.
  • Check Whether You Qualify for Financial Assistance - Based on your income, Medicare, local or state programmes, nonprofit organisations, religious groups, and charities may be able to assist you with paying medical expenditures.
  • Consider Securing a personal loan or Credit Card to Make the Payment - While you will pay interest on the sum that you borrow or charge, these should only be your last resort choices. Don't take out a loan with your house or other assets as collateral since you risk losing them if you falter. If you want to use a credit card, choosing one with a lengthy 0% APR introductory rate on purchases can give you more time to repay your medical bills without incurring interest. However, set a deadline for paying off the debt so that the lower rate doesn't start to apply.

How to Maintain a Healthy Credit Score?

There are still steps you may take to raise your credit score even if a collection account appears on your credit record. Keep your balances on credit cards low, pay off all of your debts on time, and refrain from asking for additional credit unless absolutely necessary.

By periodically reviewing your credit report and score, you can keep an eye on your credit. Take special note of the risk factors affecting your credit score so you may make adjustments that can raise your ratings.

Check Your Credit Score for Free on

By providing a few details, you can quickly check your AECB credit score for free on For this, follow the steps listed below:

  • Choose the option from the "Banking Products" tab located on the menu bar or click the "Credit Score" tab on the home screen.
  • Your registered cellphone number must be entered into the lead form before you can continue. 
  • The next step is to enter your personal information and select "See Credit Score."
  • You will then have access to your credit score range.

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