Do Medical Bills Hurt Your Credit Score

DO MEDICAL BILLS HURT YOUR CREDIT SCORE?

 It depends. If you have an unpaid medical bill, it will show up on your credit report and it can have a negative impact on your credit score.

Medical bills are one of the most common reasons people end up in collections. It’s hard to keep track of everything that happens when you’re sick and even harder to make sure those bills get paid. If a medical provider puts your account on the collection, your credit report will show it.

Treating medical debt like other kinds of debt can have a very negative impact on your credit score. If you don’t pay your medical bills on time, you’re going to hurt your credit history and score as much as if you had missed rent payments or utility bills. Most debt collectors will report to the credit bureaus, so there’s no escaping that black mark. You may even find it reported by collection agencies who bought the debt from the original provider.

The good news is that unpaid medical bills don’t stay on your credit report forever. They’ll drop off completely after seven years. The problem is that it takes time for them to age off, and that can affect your ability to get new credit while they’re still affecting your score.

The best way to deal with medical debt is to avoid it in the first place. Paying attention to medical bills when they come in can help you avoid problems down the road.

7 WAYS TO LOWER MEDICAL BILLS WITHOUT SACRIFICING YOUR HEALTH

The best way to lower your medical bills is to live a healthy life. Here are some tips you can start today. Do medical bills hurt your credit score? Yes, it can, but you can take a preemptive strike. Do this for you and your family!

Get a job that pays well and doesn’t require a lot of overtime.

If you’re looking for ways to lower your medical bills, learn how to work smarter, not harder. It may mean working fewer hours than you want to, which puts more strain on your health. But if you’re willing to work less, it could also mean working at a job where your health is in the best condition possible! Doctors recommend taking care of yourself by getting enough sleep and exercising regularly. If you have time off after working long hours without rest, try doing something that will make you feel good — such as going for a walk or riding an exercise bike — so that your body can absorb the positive feelings from the activity.

Don’t smoke or choose healthy habits like drinking green tea.

Smoking can increase your risk of heart disease and other diseases. It’s also linked to weight gain and diabetes. Even worse, smoking can interrupt the DNA sequence in cells that regulate glucose metabolism. While some people prefer to quit smoking altogether because they believe it helps them live longer with fewer risks associated with it (for example, the “blue pill”), others are just willing to give up cigarettes for a good reason — namely, to avoid the risks associated with it.

Eat less processed foods and more fruit, vegetables, and high-quality protein.

Processed foods like white bread and sugar have been shown to increase your chances of getting diabetes, heart disease, obesity, and cancer. A diet that’s heavy in processed foods can also cause weight gain as well as damage your body’s cells. On the other hand, a diet rich in fruit, vegetables, and high-quality protein can help you stay fit while preventing diseases like diabetes and heart disease.

Eat more fiber.

Eating fiber may help you feel full longer so that you don’t eat as much during the day — which means that you won’t be consuming as many calories. It also helps you keep your cholesterol levels in check, which can reduce your risk of heart disease and stroke.

Exercise more.

Exercise can help you to lose weight and prevent diabetes, heart disease, and other chronic diseases. Exercising for 30 minutes a day several times a week has been shown to improve your health significantly. It can also help you to feel better mentally and emotionally by reducing stress levels and improving your moods. It’s important to note that not all exercise is the same — some exercise activities are better than others. For example, walking is a great choice for people who want to get in shape but it’s not as good of an option for those who have high blood pressure or don’t want to put their health at risk.

Make healthy food choices.

Eating the right foods can help you to feel full longer and to lose weight, as well as protect your heart and your overall well-being. A diet that’s high in fruit, vegetables, whole grains, and low in fat is what you should be following when you’re trying to get healthy again. I don’t follow this, but I have to change. Do medical bills hurt your credit score? It can be more likely if you’re obese, because there are more problems due to poor eating habits. 

Eat more protein.

Protein helps you to feel fuller for longer so that you don’t eat as much during the day — which means that you won’t be consuming as many calories. It also helps you keep your cholesterol levels in check, which can reduce your risk of heart disease and stroke.

Drink more water.

Drinking water helps you to keep your hunger levels in check, helps to flush out toxins, and increases the water content of your cells. It also helps you to feel full for longer so that you don’t eat as much.

Make sure that your diet is rich in vitamin C and B12.

Vitamin C keeps your immune system healthy, reduces stress, and helps you to feel more energized. Vitamin B12 is vital for the production of red blood cells, which means that it’s important for keeping your energy levels up throughout the day.

CONCLUSION

While it’s always smart to keep track of your credit scores, even if you consider yourself to be responsible with money and debt, medical bills can have a major impact on your credit score. The best solution is to stay diligent about paying off large medical liabilities and reaching out to doctors and hospitals for financial help.

I hope this helps answer the question “Do medical bills hurt your credit score?”  Yes, if it falls into collections however, you can prevent that, staying healthy. 

*This is not medical advice. This is just my opinion. Please see your doctor about your health.