Medical Debt Credit Impact Estimator
Rules changed in 2023 — most medical debt no longer shows up on your credit report. Enter your details to see if your debt still counts and how much it could affect your score.
How does medical debt affect my credit score after the 2023 rule changes?
Since 2023, paid medical collections are removed from credit reports, collections under $500 are excluded entirely, and there is a mandatory 1-year waiting period before unpaid medical debt can appear on your report. Unpaid medical debt over $500 that goes to collections can still lower your score by 50-100+ points depending on your starting score. Enter your debt details below for a personalized impact estimate.
2023 Rule Changes
- New Paid medical collections removed from reports
- New Collections under $500 excluded
- New 1-year waiting period before reporting
- New FICO 10T excludes paid medical debt
Credit Impact by Debt Amount & Status
How much your credit takes a hit depends on the debt amount, whether it's paid, and whether it's been sent to collections.
| Debt Amount | With Provider | In Collections (<1yr) | In Collections (1-3yr) | In Collections (3-7yr) | Paid/Settled |
|---|---|---|---|---|---|
| Under $500 | No Impact | No Impact | No Impact | No Impact | No Impact |
| $500-$1,000 | No Impact | No Impact | Moderate | Minimal | No Impact |
| $1,000-$5,000 | No Impact | No Impact | Significant | Moderate | No Impact |
| $5,000-$10,000 | No Impact | No Impact | Significant | Significant | No Impact |
| $10,000+ | No Impact | No Impact | Severe | Significant | No Impact |
Under $500
$500-$1,000
$1,000-$5,000
$5,000-$10,000
$10,000+
Based on 2023 medical debt credit reporting rules. Paid/settled collections and debts under $500 are excluded from credit reports.