As long as it has been paid, a medical bill will never show up on your credit report. Defaulting on a medical bill, however, will cause it to appear on your credit report and potentially have a negative impact.
If you are unable to pay a medical bill in full upon the due date, contact the medical provider to set up a payment plan. While most providers prefer payment in full, they may be willing to work out a more convenient payment plan conducive to your budget.
Fico 9.0 Scoring Model
While it is not used widespread just yet, the new FICO 9 scoring model differentiates unpaid medical accounts in collections from other collection accounts. With this scoring model, medical bills that were sent to collections will not impact one's credit as significantly as non-medical debt.
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