does hospital bills count against your credit?

Question

i just got married and i have alot of hospital bills due to some bad health problems, i only have one credit card that is unpaid, 1000 dollars. so the majority of my bad credit is hospital bills, if we were going to get a apartment or rent a house, will the hospital bills count against me?

Answer 1

This depends on the landlord. First I recommend pulling your credit report to see if they are even being reported. If so, although they are listed on your credit report, some people who offer credit ignore medical collections. To be safe though, expect to pay a large deposit and/or get bonding (which could cost the same as making a double deposit).

I suggest being up front with whomever you attempt to rent from so that they do not see any surprises and question your integrity when they pull your credit. They may not even pull your credit (which would be of benefit to you) if they know they would not rent to you with those credit blemishes.

Answer 2

Hospital bills do show up on your credit, but sometimes people don't seem to mind them. What affects your credit more is when you have a maxed out credit card. It's good to not owe more then 30% on each of your credit cards available credit limit. When it's over 50% it brings down your credit score even if your paying the minimum balance monthly. Oweing more then 30-40% shows you need a credit card for support. I hope this helpes you...

Answer 3

Yes the count against your credit yet some banks or credit unions over look them. Personally I pay my medical last if I have problems paying bills.

Answer 4

They probably will count against you but, you can get a free copy of your credit report to make 100 % sure.

As a result of the FACT Act (Fair and Accurate Credit Transactions Act), each legal U.S. resident is entitled to one free copy of his or her credit report from each credit reporting agency once every twelve months. This information is available at the only government-sanctioned credit reporting agency-operated website, www.annualcreditreport.com, by calling 1-877-322-8228, or by mailing the Annual Credit Report Request Form. To guard against inaccurate information or fraud more often than yearly, one can request a report from a different credit reporting agency each four months. However, the free report does not contain a credit score, though a credit score may be purchased at the time of access. Requesting a credit report will subject you to "pre-screened" offers of credit cards. To prevent all three credit bureaus from making your address available to credit card companies for this purpose, you may opt out by calling 1-888-5-OPT-OUT (1-888-567-8688).

Equifax and Fair Isaac teamed up to provide consumers with their FICO credit scores. The other two credit bureaus, TransUnion and Experian, also sell their scores to consumers. Experian calls its credit score product PLUS Score. The PLUS Score ranges from 330 to 830.

Answer 5

they do hurt your credit and will harm you if you are trying to get a home loan but for renting if you are in the U.S then most of the time they dont hold them against you they are usually checking to make sure you dont owe other properties money i have lots of hospital bills too and they havent stopped me from renting

Answer 6

Yes, they do report unpaid medical bills to your credit.

Answer 7

YES! at least make arrangements to start paying them and they might overlook the bad credit

Answer 8

Yes! They put it in the collection section and stays there for 7 years. Good luck!

Answer 9

absolutely, if they turned them into a credit agency due to eccessive delinquent payment, if you havent recieved a lawer statement trying to collect debt- get that apartment/house now, otherwise.... it will definitely show on your credit score.

Answer 10

yes.. they report to credit bureau like any other business