 TITLE: How to Dispute Inaccurate Medical Collections on Your Credit Report CONTENT: When Do Medical Collections Appear on a Credit Report?\n------------------------------------------------------\nNot every medical collection will be included on your credit report. The three major credit bureaus wait 180 days before adding medical collections to your credit history. The purpose of this six-month grace period is to give you a sufficient amount of time to resolve any errors on your bill, pay your bill, design a payment plan or consult your insurance company so they can take care of it.\nIf you take action within the 180-day period, you can avoid medical bills from taking a toll on your credit scores. On the other hand, if your collection is 180 days old and unpaid, it may be added to your personal credit file and could stay on there for seven years. END