Paying off debt

The only thing I have on my credit that affects me is hospital bills, and old bills that should have fallen off because of how long ago it has been. I am trying to work with some of the creditors right now.

4 Answers

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It will be on your credit report for 7.5 years. Definitely, it will affect your credit rating. However, be patient and try to practice good credit habits. Try to pay bills on time and keep your credit card balances low. This will gradually boost your credit score over time.


As sanderspatricia29 has suggested, try to add positive items on your credit report. It will help reduce the negative items on your reports, as the negative items will be there on your reports until a certain period.


They will be there on your credit report for 7.5 years.


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