Are medical bills shown on your credit in Texas?

Yes, medical bills can show up on your credit in Texas.

Under the Fair Credit Reporting Act (FCRA), medical debt is considered a type of consumer debt and can be reported to the credit bureaus. This means that if you have unpaid medical bills, they may appear on your credit report and affect your credit score.

However, there are some important things to keep in mind about medical debt and your credit report:

* Medical bills can only be reported to the credit bureaus if they have been sent to collections. This means that if you are still receiving bills from your medical provider, they will not appear on your credit report.

* Medical debt can only be reported to the credit bureaus if it is at least 180 days past due. This means that you have 180 days from the date of your bill to pay it before it can be reported to the credit bureaus.

* Medical debt can remain on your credit report for up to seven years from the date of delinquency. This means that even if you eventually pay off your medical debt, it may still appear on your credit report for several years.

If you have unpaid medical bills, it is important to take steps to resolve them as soon as possible. This may include contacting your medical provider to work out a payment plan or applying for financial assistance. You can also consider disputing any inaccurate or unverifiable medical debt on your credit report.