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impact of outstanding bill on credit score

Discussion in 'questions. answers. conversations.' started by Mark S, Sep 21, 2020.

  1. Mark S

    Mark S Reader

    I thank you for your many articles about how credit scores are computed. I don't recall, however, seeing any discussion about how an unpaid bill (e.g., doctor's bill) impacts a credit score. Let's say, for example, a person doesn't pay a doctor's bill and it is turned over to collections.
    1 Do bills turned over to collections get reported to the credit bureaus?
    2 Do bills turned over to collections that get reported to the credit bureaus factor into the consumer's credit score?
    3 If the answer to questions 1 and 2 is yes, if the consumer disputes the bill and notifies the credit bureau of the dispute, do the credit bureaus take the dispute into account?

    I ask because I'm sure others are interested and I often just pay bills to avoid collections and any negative impact on my credit score.

    Thanks, Mark
     
    #1
  2. rickyw

    rickyw Well-Known Member

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