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It's a failure of society that medical debt exists in the first place.
Its a failure of society that modern credit score reporting exists in the first place.
Friendly reminder that Equifax lost your data, then tried to charge you for freezing your credit, and not a single person went to jail.
This is the first thing I think about whenever I check my credit score and it has magically gone down 5 points even though literally nothing in my life changed and all my bills were paid on time.
It’s so fucking infuriating that these companies that can’t even keep their (our) data safe have such inordinate and arbitrary control over our lives and what we can do with them.
For what it's worth, a 5 point swing in your credit score is basically meaningless - just noise in the data more than anything. It's not going to be the deciding factor for someone to decide whether or not to loan you money. It might sometimes make a slight difference in the rate you get.
Ban insurance. Force the hospitals to compete like civilized businesses.
Hospitals are meant to save lives, not be profitable