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Posted on 07/15/2025 8:05:50 PM PDT by Racketeer
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Correct!
I agree. Credit worthiness should be based on one’s ability to repay the debt ... period. Otherwise we might as well put vegetable Biden back in the WH.
That doesn’t matter.
A credit report is about what you owe and what you have.
Hospitals can take your stuff just as fast as mortgage companies.
So it is important for any would be creditor to know this.
The fairness of the medical debt is a separate issue.
That doesn’t matter.
A credit report is about what you owe and what you have.
Hospitals can take your stuff just as fast as mortgage companies.
So it is important for any would be creditor to know this.
The fairness of the medical debt is a separate issue.
People get fired or lose a job they didn’t plan on. They also spend well beyond their means.
The problem is credit bureaus to begin eith. They shouldn’t exist period. They get hacked and they want you to buy their credit protection. Idiots.
My so called credit score is excellent because I pay all my bills on time and any loan I ever had has been paid off well in advance but these idiots say I could do better if I had more revolving credit.... More debt gets me a better score. 3 different credit unions and I have a different score on all 3, all excellent but different. Why? Same credit background on all. Only one CC..AMEX that is paid off every month, no interest ever.
They make no sense, you suck at paying your bills so banks are going to charge you more. You owe to much money so we’re going to charge you more. Think about the stupidity in that.
Get rid of credit bureaus.
“The government is saying your credit worthiness is now scored on unforeseen circumstances that can be completely out of your control.”
We’re moving towards a social credit system.
“When you go to a doctor or hospital you sign an agreement to pay for their services.”
I will always print that I am not liable for any service not covered by insurance.
However, when one arrives at the emergency room, unconscious, how does one sign for or even acknowledge a payment agreement? Please, do tell!!
How soon is it that, before the needed surgery, the hospital must run and get our credit approved? I mean, if the credit report must now show payment histories for the medical activity, shouldn’t the patient’s credit be scored first before allowing the medical service?
I will send a certified letter to every hospital in the region in which I live to inform them of my refusal to pay for ANY service not covered by my insurance plan.
Why is it people will stand strong and boycott companies but do not ever boycott hospitals or doctors? I boycotted them during COVID and will always remain a PUREBLOOD!!
You sign that you’re going to pay....many who can pay, decide to ignore the bills...they’re the ones causing the problems and their credit scores need to reflect their disregard.
Call it what you will, but the Constitution is very pragmatic - and it contains no “Noble Cause” clauses.
When you wake up the first thing you’ll see is someone with paperwork and a pen.
Been there.
Done that.
And you know it too.
L
I know a lady that had a $824,000 medical bill. She asked for and the hospital accepted her monthly payments of $200. I say, do we really need insurance!! Obviously her payment is far less than insurance premiums.
In other countries, banks will not permit repayment plans that extend beyond early retirement age, because once the borrower retires, they have little income stream to make payments. So for people much older than 50, a gold-plated credit reputation is absolutely meaningless. The banks do not loan for any purpose.
In these countries, hospitals will extend the lives of rich people as long as the customer can pay, but failing that, the patient gets put to sleep. In the USA, something similar also happens, but it's more complicated because of socialism, basically Democrat voters forcing Republican voters to pay.
Hard to defend this ruling. Why must this be on a credit report?
Healthcare insurance, billing, pricing needs to be solved.
My experience has consistently been:
- Pay high insurance premiums, that go up each year.
- Know that use of insured healthcare includes a insane deductible
- If we have a health issue there will be a high copay, a deductible rarely met, and random billings that follow for months later.
- A preference to avoid seeing a Dr. unless absolutely necessary.
I’m grateful for doctors and staff that served my family through surgeries and other items over the years. I respect that healthcare has a significant cost and somewhat understand the reasons why. But the cost is unacceptable. Unless of course, you’re an illegal alien - then it’s free.
Maybe I should just go into the ER as Jose Gonzalez….
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