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Joined 1 year ago
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Cake day: June 9th, 2023

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  • I had heard that medical debt cannot effect your credit. Believe me it can. I had to have a malignant melanoma removed from my back. I put it off until it nearly killed me (quite literally, they told me it was 2mm from my bloodstream and would have killed me if it got there) so I could afford insurance before I got it looked at. I received two bills. My wife was in school and I was making 34k a year for both of us to live on.

    For one bill they let me pay $50 a month. The other bill they wouldn’t accept anything less than $200 a month which was completely undoable for me. I told them they could get $50 a month from me or never see a penny. Two months later it was sold to a collection agency and immediately knocked my credit down by about 150 points. It went back up by that amount seven years later. They never got a cent.