Myth 1. Medical debts don't go on the credit report.
This is by far the biggest myth when it comes to having debt. When or where this myth originated I don't know, but I assure you that this is not true.
There are a lot of hospitals that don't report to the credit report. Typically if the hospital is based in a city that has a university in it they won't report because they don't want to ruin students' credit who can't afford to pay their medical debts. This is not always the case though. If you're not sure whether or not the hospital uses a collection agency that reports to the credit bureau just call the collection agency that handles the debt and if they actually do report your particular debt to the credit report they will be more than happy to let you know. (The ability to report your debt to the credit report gives the collection agency more leverage to collect the debt, so they WILL tell you.)
It is imperative that you ask the collection agency not the hospital.let me explain why.If you go to the hospital you are going to have separate bills from each section of the hospital that you go to. With that in mind different parts of the hospital may not even use a collection agency or use ones that don't report to the credit report while at the same time another section of the hospital you went to actually use a collection agency that reports your bill to the credit report.
If you have a medical debt that is from a doctor's office that is not associates with a hospital about 90% of them are going to report to the credit report and most will have a judgment filed against you, if they can, if your bill is not paid in a timely fashion.
*A positive though with a doctor's office over the hospital to find out if your bill is going to be on your credit if not paid you can just call and ask them because their medical billing procedures won't differentiate because it's all on the same bill.