I am one of the 64.3 million U.S.  consumers who have at least one medical debt or collection agency report on their credit report.

If you are too you will be pleased to know that Fair Isaac Corp (FICO) which most lenders use when making credit decisions have made some changes that will benefit you.

You will be penalized less for unpaid medical bills.  Fico will also stop including in its FICO credit score calculations any record of failing to pay a bill if the bill has been paid or settled with a collection agency.

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