I have medical debt that was sent to a collection agency - does that appear on my credit reports?

The Nationwide Credit Reporting Agencies (NCRAs) — Equifax®, Experian® and TransUnion® — removed medical collection debt with an initial reported balance of under $500 from U.S. credit reports in April 2023. This information will not be included on U.S. credit reports moving forward. In July of 2022, the time period before unpaid medical collection debt of $500 or more appears on a consumer’s credit report increased from six months to one year, giving consumers more time to address their debt before it is reported on their credit file. In addition, any medical collection debt that a consumer has paid in full is no longer included on U.S. credit reports.

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