For veterans, there are specific rules and considerations regarding the inclusion of medical debt on credit reports. The Department of Veterans Affairs (VA) has guidelines that impact how medical debt related to VA-authorized care is reported. Here are key points to understand:

Certain Debts Cannot Be Included:

• Some types of medical debts related to VA-authorized care should not be included on your credit reports. These include debts owed to non-VA providers for authorized medical services and medical debts that were wrongfully charged by the VA.

Paid or Settled Delinquent, Charge-offs, and Collections:

• Paid or settled delinquent accounts, charge-offs, and collections related to medical debt may still appear on your credit report, even if they’ve been resolved. However, the impact on your credit score may lessen over time.

Must Follow All These Conditions for Medical Debt Reporting: To be reported on a veteran’s credit report, medical debt must meet specific criteria:

1. Debt Is Not Collectible: If the debt is determined to be uncollectible, it should not be reported on your credit report.
2. Balance Over $25: Medical debt with a balance under $25 should generally not be reported on your credit report.
3. You Are Not Determined Disabled or Your Gross Household Income Is Not Below Geographically Adjusted Income Limits: If you are determined to be disabled or your reported gross household income falls below the geographically adjusted income limits, medical debt may not be reported on your credit report.

It’s important for veterans to be aware of these guidelines and to monitor their credit reports regularly. If you believe that medical debt has been inaccurately reported or if you have questions about your specific situation, it’s advisable to contact the VA or a credit reporting agency for clarification and resolution. Properly managing and addressing medical debt is essential for maintaining good credit health, and veterans have specific protections and considerations under VA guidelines.