Also last year, the three largest credit reporting agencies – Equifax, Experian and TransUnion – announced they would remove nearly 70% of medical debt from consumer credit reports.

Currently, paid medical bills don’t appear on credit reports or affect credit scores. In April 2023, unpaid medical bills with a starting balance of less than $500 were removed from reports. Also, as of July 2022, paid medical collections were erased from credit reports, and they are no longer reported by the three major credit bureaus — Equifax, Experian and TransUnion.