This is going to improve a LOT of peoples scores. On a daily basis I see people that might have 4-5 medical bills for less than 20 bucks.


The three nationwide credit reporting agencies - Equifax, Experian and TransUnion - have agreed to three important changes to reporting medical collection accounts.

• Paid medical collection debt will no longer be included on consumer credit reports, as of July 1, 2022.
• The time period before unpaid medical collection debt will appear on a consumer’s report will be increased from six months to one year, also effective July 1, 2022. This change gives consumers more time to work with insurance and/or healthcare providers to address medical collection debt before it appears on credit reports.
• Medical debt collection accounts under at least $500 will no longer be included on consumer credit reports. This goes into effect the first half of 2023.

The best part about this is it will hurt the standalone ER’s that “accepts” insurance. Their game is up.

Is this something that Brandon has been working on? Come to think of it…where is Brandon?

He’s already asleep for the evening.

I got a big one the other day started not to pay it but my credit is just now decent.

Why would you not pay it?

So this will give the appearance of a higher credit score which allow them to go deeper in debt on automobiles?

We just payed a good size bill. No fishing for me for awhile, Geez. Insurance is not what it used to be

Cuz I'm a cheap mofo

On one hand are those who make no effort to pay these bills. Then the medical folks charge outrageous amounts to offset those who don’t pay and then the insurance company and medical folks are trying to screw each other. Hard working folks who pay their bills are the ones who stand to lose.

I’m going to defend their decision not to pay during the Brandon presidency. Right now, the Covid scare tactics aren’t gaining a lot of traction. Debt cancellation would certainly buy a lot of votes, including mine. Besides, if he cancels it then nobody pays for it - it’s free! Let’s go Brandon!

This is good news. I am the worst about paying a bill at the office and then getting a bill for $3.51 and forgetting to call and pay it

🤣🤣🤣🤣🤣 at least your honest

I have always paid my bills and in my former career you could actually be disciplined for not owning up to your obligations.

Integrity isn't what it once was...

Because stand alone ER centers are scams. They fail to give proper diagnosis, then they fail to provide accurate codes to insurance for their services. Insurance denies the claim shifting the entire bill to the patient. Then the insurance will not work with the patient to get proper codes for procedures. We had two occurrences back in 2018, my daughter went to a ER near the TCU campus for a chest congestion late one night. They prescribed Oxycodone and nothing for her congestion. Thankfully she was a nursing student and the addiction possibility so she did not takin any. They billed insurance $3600 for the facility and $4000 for the doctors services. Incorrect codes resulted in instance denial. I blew a gasket when I received the bill. Reported the center to the Texas Medical Board and to the Texas Insurance Board, then I had attorney friend write a letter to the ER company outlining the diagnosis and total time in the center, and informed them our contact with the State, they replied with another bill removing $1000.00. We issued another letter suggesting a malpractice lawsuit for the prescription, we never heard back from them.

That same year my son cut his hand on mission trip outside Austin. They washed his had put liquid skin on the cut and away he went, total time was 20 minutes and where charged 400 dollars for the upfront copay. We received an insurance denial and subsequent bill for $4500.00. We went straight to our attorney for new letters, we eventually paid an additional $150.

Never go to the ER boxes, when you go to make sure there are service codes on your paper work.