Most credit reports contain medical bills that have been sold to collection agencies over and over again. This brings the scores down to a point where credit is unattainable even if your other bills are payed on time. Medical bills are a problem for the insured and uninsured alike. In a country with for-profit healthcare, were crippled enough by medical debt without the addition of ruining our ability to obtain credit. NO MORE MEDICAL COLLECTIONS ON CREDIT REPORTS!