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welcome back everyone so happy to have you back for another update in todays video we are going to go over the medical debt changes and how it will affect your credit score moving forward reminder as of July 1st 2022 paid medical collection debt wont appear on your credit reports in the past medical debt could stay on your credit reports for up to seven years starting in December 2022 Vantage score 3.0 and 4.0 models will no longer consider medical collections for credit score calculations starting in 2023 medical collection that under 500 wont be included on your credit reports now while certain medical debts May no longer appear on your credit it reports you are still responsible for paying your medical debt now medical bills generally only appear on your credit reports if you do not pay them uh pay the bill and your health care provider decides to turn the account over to a collection agency that is because most health care providers do not report to the three major credit bureau