paparoach429 wrote:Back in January I needed stitches and just barely received a bill. The bill is showing 60-90 days past due and literally says "Your bill is seriously overdue". My question is how does this effect my credit score? I heard that medical bills only affect your credit score when they are sent to collections. Is this true? Also being that this was the first bill I received and I plan on paying it in full Monday are there any negative effects for me?
It would depend on whether the medical bill is serviced internally, ie, via the medical practice itself, or if they use a 3rd party biller. Either way, an overdue bill can
be reported before it goes to collections. Check your credit report to see if it's posted anything negative. Then call the number on the bill since the bill received was the first you've received, and inquire as to how it can be so seriously overdue when you've not received a prior bill.
Another factor is whether insurance was involved. They may have billed your insurance and the insurance company may be delayed in paying it or they may have denied the claim and you've not been notified about it. IF your insurance was involved, call them! Make sure that, if a claim was submitted, it's been/being paid. Of course, if insurance is not involved, this is moot.