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deweydecibel ,

Yep. Medical debt is often not calculated into your credit score by the credit agencies, either, though not in all cases. Or if it is calculated in, it is heavily weighted against so it doesn’t cause much damage.

And it makes sense. Credit score is supposed to be a judge of your credit worthniess based on your history seeking credit and repaying debts. While medical debt is legitimate debt, it isn’t credit seeking behavior in the way an auto loan is. You didn’t choose to take it on, it would be inaccurate to take a trip to the ER into account when determining your credit seeking habits.

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