What Does Derogatory Credit Mean?
6 min read
Does Medical Debt Appear in Your Credit Report?
6 min read
Last Updated: May 9, 2025
Key Takeaways
- The three major credit bureaus made changes in 2022 and 2023 to how medical debt collection affects credit reports.
- Medical bills over $500 that go to collections can still appear in your credit report.
- You can protect your credit score by paying bills promptly, monitoring your credit report, and taking action if issues emerge.
See if you’re Pre-approved before you apply
Next steps
See if you're pre-approved
Learn about Discover It ® Cash Back Credit Card
See rates, rewards and other info
You may also be interested in
Was this article helpful?
Was this article helpful?
You are now on a Capital One webpage. Please be sure to review Capital One’s Terms & Conditions and Privacy Notice.