Is medical debt a factor in my credit score?

Medical bills are usually not reported to the credit bureaus unless they have been unpaid for a long time and have gone to collections. Collections accounts stay on the report for as long as 7 years even after you’ve paid them off. These accounts typically hurt scores, though some scoring models do not include medical collections, especially those with small balances of less than $100. VantageScore® 3.0 does not take paid collections accounts into account in its model.