this post was submitted on 22 Apr 2026
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I remember my friend telling me I was making a mistake for letting a $1400 medical bill go to collections. They told me my credit score would suffer. I said I didn't care. I wasn't trying to get a loan at the moment and I wasn't trying to impress anyone at the bank. Even if it dipped, I didn't care.
I think medical collections is one of the few things that has no impact on your credit score, if I remember right.
Either way, your credit score can pretty easily turn around from being absolute shit if your financial situation turns around. I used to have a score of like 400 and now its 700. A lot of creditors still deny me based on the stupid shit I did as a teenager that sent it down to 400, but once it gets back towards 700 (assuming you have income to back applications) theres always some place that will give you a loan on decent terms. For a while there I was shit out of luck on that though and couldnt get a loan from anyone that wasnt predatory
Also a good reason not to pay.