Seven long years! If the medical collections account is accurate; however, it can remain on your credit reports for up to seven years, plus 180 days from the date the account first became past due.

You must remember that medical bills can be written off as a bad debt expense by the hospital and then securitized and sold to other collection agencies that can report the same negative medical bill to the credit bureaus again before the 7 years for another 7 years of bad credit.

The negative impact on your scores typically decreases over time until the account drops off or is removed from your reports. But in case of double reporting by collections agencies, your medical bill can keep haunting you forever and your credit scores can go lower before the first negative reporting. Think about it..

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