Would an unpaid medical bill through a debt collection agency end up on my credit report?
I've recently been dealing with a few health problems. I was unable to receive a scan through the NHS, which left me with little choice but to go through private healthcare in order to determine the cause of my health issues.
The cost of the CT scan I had was about £1400. This was self-funded without health insurance or a finance plan.
I just recently received an invoice for the cost of the scan, but I haven't paid for it yet. Unfortunately, I'm in a position where it would be easier for me to make a payment in a few months because of my financial situation.
Unpaid medical bills are usually sent to debt collection agencies based on what I've read, so I anticipate this will be the next step. My intention is to wait until March when I will have no trouble making the payment. I would also be more than happy to pay the entire amount through a debt agency if that were to happen.
Though saying all of this, the possibility of it appearing on my credit report is all that worries me. If that were to be the case, I would have to find a way to pay the bill immediately.
To be clear, I do intend to pay the amount. However given my current financial situation, I really do need the additional time.
My question - would an unpaid medical bill sent to a debt collection agency appear on my credit report?
Thank you in advance!
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