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Friday, October 23, 2026Updated 15:22 UTC

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

Source: Money Crashers · Oct 23, 2026 14:00 UTC

Torn U.S. one-dollar bill on a white background — File photo Images_of_Money / Flickr · CC BY 2.0 · Source

The Quick Take

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

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