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    Credit Repair Basics

    Medical Collections vs Other Collections: Impact on Credit

    By Credit Booster Team | Published April 10, 2026 | Updated April 11, 2026

    Medical debt is treated differently by scoring models. Learn how different types of collections affect your score. Step-by-step guide from Credit Booster c

    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:

  1. Credit card charge-offs
  2. Utility bills
  3. Phone bills
  4. Rent (if reported)
  5. Personal loans
  6. 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.

    AK

    Written by

    Alexander Katsman

    Credit & Finance Expert

    Alexander Katsman has since 2009 of experience in the credit and finance industry. He has helped thousands of clients improve their credit scores and secure financing for their businesses.

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