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Not exactly. Medical debt is different compared to retail debt like credit cards. It still sucks but the rules are different to protect people at least a little bit.
Yep. Medical debt is often not calculated into your credit score by the credit agencies, either, though not in all cases. Or if it is calculated in, it is heavily weighted against so it doesn't cause much damage.
And it makes sense. Credit score is supposed to be a judge of your credit worthniess based on your history seeking credit and repaying debts. While medical debt is legitimate debt, it isn't credit seeking behavior in the way an auto loan is. You didn't choose to take it on, it would be inaccurate to take a trip to the ER into account when determining your credit seeking habits.
I sustained a workplace injury (working on a movie set) and the production company never filed the paperwork, so their insurance would not cover me. I refused to pay the bill and it showed up on my credit report and caused issues for three years. Eventually i found my wrap gift from movie and inside the set medic had put a copy of the paperwork. I scanned it and emailed it to the hospital and within 72 hours it was taken care of and like a month later it was off my credit report. (Time frames may be off as this transpired in 2015)
I can't imagine the mixed emotions you felt when you found that lmao.
About five or six years ago, most creditors started using a different FICO model which doesn't include medical debt. Basically, the idea is that being unable to pay medical debt says very little about how well you can handle debt.
There are also models that don't consider student loans, but those aren't used as often.
Thanks Obama (if my memory serves me correctly)
It's somewhat in the credit agencies best interests to ignore or heavily discount medical debt. Because so many people have it, and not by choice, to destroy everybody's credit rating because of medical debt would decimate a significant portion of the country's ability to get credit. That would have a domino effect on a great many things, and cause enough of an issue that it's likely there would be further regulations on the credit agencies.
Remember, businesses want customers, they just want customers they can trust to pay the debt. Credit agencies using medical debt to decimate an otherwise decent credit rating denies those businesses a perfectly trustworthy customer.
They absolutely should be regulated more, though, regardless of how they handle medical debt now. Frankly I think a great step would be if we extended HIPAA laws so that the credit agencies literally cannot receive any information about medical debt whatsoever.
90% Obama (ACA), 10% Biden (No Surprise Act).
Mind you, that is a recent change and there are some places that still illegally do so and it is a pain in the ass to get it removed.