Cobranzas médicas vs otras: impacto en el crédito
By Credit Booster Team | Published April 10, 2026 | Updated April 11, 2026
La deuda médica se trata diferente por los modelos de puntuación.
Types of Collections and Their Impact
Medical Collections
As of 2023, the three major bureaus no longer report paid medical collections. Unpaid medical debts under $500 are also excluded.
FICO 9 and VantageScore 3.0+ give less weight to medical collections than other types.
Non-Medical Collections
These include:
These are treated with full weight by all scoring models.
Pay-for-Delete Strategy
Some collectors will agree to remove the collection from your report in exchange for payment. Always get this agreement in writing BEFORE paying.
CreditBooster handles pay-for-delete negotiations as part of our dispute strategy, ensuring you never pay without a written removal agreement.
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