• TexMexBazooka@lemm.ee
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    1 年前

    Yeah after 7 years it falls off your credit report.

    On top of that, most major credit bureaus don’t even calculate small medical debts(less than 1k I think) against your credit score.

    I mean don’t quote me on this, verify.

    • Mario_Dies.wav@lemmy.dbzer0.com
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      1 年前

      I wish I would have known this when I thought my life was over after having appendicitis the one year of my life I couldn’t afford insurance. Thanks for letting me know. I’ll keep it in mind.

      I’ve got to say there’s no way my debt would ever be less than $1k though. I’m pretty sure my deductible is $5k, but I’ve also given up on the whole credit score thing. I always get emails that it’s dropped or whatever, and I’m just numb to it at this point it’s just background noise

      • TexMexBazooka@lemm.ee
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        1 年前

        I edited my reply above with some sources.

        The credit score system is bullshit, but it can be played. I opened like 13 credit accounts in my early 20s and keep them rotated, because of that my total line of credit is ridiculous. I don’t use it all very much, but on paper it makes my credit utilization look like 1-2% of my total limit, which raises my score significantly.

        • Mario_Dies.wav@lemmy.dbzer0.com
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          1 年前

          So those sources say it doesn’t stay on your credit report, but I’m not really concerned about that. My credit score is consistently dogshit, and I’ve given up on it. I don’t really care about my credit score at all.

          What I’m concerned about are legal issues, wage garnishment, and other things that would directly affect me and harm me. If I just don’t pay, wouldn’t they seek legal action against me? I’m almost certain they would, and I’m pretty sure that doesn’t change after 7 years.

          Edit: I think I misread your comment. I see now that it does say “credit report.” For some reason, I misread that and thought you were saying the debt just disappears. So really, that wouldn’t help me much at all. I still need to be terrified of going to the doctor. One expensive trip could ruin my life.