how can an unpaid medical bill go on credit if hospital doesnt have your social security#?

Answer 1

I am sorry, but most of the answers that you have gotten are incorrect. Medical accounts do go on your credit report. They are turned over to collection agency's, just like any other bill that isn't paid. They don't count quite as much as other types of accounts, but they do count and they can effect your credit score just like anything else. They can also keep you from getting credit. So, to people out there that think you don't have to pay your medical bills because they don't go against your credit, you are very incorrect. As for, going on your credit report with no social security number, they can track you and your credit records down anytime they want to. They don't have to have your SS # to report a collection or anything else on your credit report.

Trust me, I have been grading credit reports and processing mortgage loans for ten years, so I know what I'm talking about. You need to try to take care of this collection, because like anything else, it will stay on your credit for seven years. Creditors and lenders are starting more and more to count medical collections against the borrower. Some lenders are starting to make a person pay them before they will grant them credit.

Answer 2

If the medical facility or billing agency reports the unpaid bills to a credit reporting agency they do! If you are low income, some medical facilitys do have a income form to fill out and sometimes they do waive fees or knock the bill down a bit. You should contact the place that you have the bill with and offer to make $5 payments either by the month or week, it is more cost effective to hold your bill, than it is to turn it over to a collection agency.

Answer 3

Some answers so far said medical bills don't go on your US credit report. Experian says otherwise.

Important Message From Experian

By law, we cannot disclose certain medical information (relating to physical, mental, or behavioral health or condition). Although we do not generally collect such information, it could appear in the name of a data furnisher (i.e., "Cancer Center") that reports your payment history to us. If so, those names display in your report, but in reports to others they display only as MEDICAL PAYMENT DATA. Consumer statements included on your report at your request that contain medical information are disclosed to others.

Answer 4

In the USA, medical bills have no bearing on your credit rating and does not affect your credit report.

Answer 5

since there was a service provided not a credit of anynature it can't go on your credit report. Now what can show is that you have not paid on something or that you have things in third party collections. But no it cannot go on you credit report.

Answer 6

They match it by name and address.

Answer 7

You will know if they find out.

Answer 8

They have it.