I have about $90 in collections from two old doctor appointments. It’s legit debt, and they sent me mail about it last year, but I haven’t heard from them since. I went online and gave them permission to call me, but they never did.
I’ve never had any other debt, and I’m 21. I live with my girlfriend, and she has a decent credit score around 700. Should I pay this off, or does it even matter? Will this hurt my chances when we try to rent a place?
If it’s only $90, why not just pay it off? That way, it’s done, and you won’t have to worry about it affecting anything down the line.
Because doing the easy thing doesn’t always happen in America.
If you’re in the US, medical debt under $500 shouldn’t appear on your credit report anymore. Here’s some info about medical bills on credit reports: Medical bills on credit report
It depends on your overall credit history. What’s your credit score like?
Call the collections agency and offer them $15. They might just take it!
I wouldn’t worry about it. I bought a house with $75 in medical collections, and it didn’t stop me from getting approved for a loan. This small amount shouldn’t be a big deal.
If I were a landlord, I’d be hesitant to rent to someone who hasn’t paid off a $90 debt. It’s such a small amount.
Honestly, it probably took you more time to write this post than it would to just pay off the $90!
Why not just pay it off? It’s only $90, and avoiding any credit issues over such a small amount seems like the smart move.
Just pay it off already. It’s not worth the headache.
If you pay it, it will get removed from your credit report. Just settle the debt, and you’ll have one less thing to worry about.
What’s your overall credit situation? Sometimes people focus too much on one small thing like a $90 debt, but the bigger picture matters more.
Pay it off. Even a small debt can become a bigger issue later on.
As someone who worked in lending, medical debt doesn’t usually matter much, especially for small amounts like $90. If you don’t have much of a credit history otherwise, that might be a bigger issue when applying for rent.
Honestly, you might be able to offer the collection agency $15 to settle it. They’ll often accept a lower amount, especially since the debt has probably been sold a few times.
If it’s unpaid, it could be a red flag. If you settle it, it probably won’t be a concern. Big landlords might have stricter criteria though.