# Medical Debt Counts Less on Newer Credit Scores – Ask Which One Your Lender Uses

- Source: Money Crashers
- Published: 2026-10-23T14:00:00+00:00
- Category: Local
- Original: https://www.moneycrashers.com/medical-debt-credit-scores/
- Canonical: https://groundlevelnews.com/story/medical-debt-counts-less-on-newer-credit-scores-ask-which-one-your-len-ee4021/

Medical debt hurts your credit score less than it used to, and how much depends on which score a lender pulls. Newer scoring models count medical collections less or ignore them entirely, while older FICO versions still count them in full. Before you apply for a mortgage or car loan, ask the lender which score it uses. Source

_Ground Level News shows a short summary only; the full article and all rights belong to Money Crashers._