과거에는 병원비가 연체되어 콜렉션(추심)으로 넘어가면 크레딧 점수에 치명적인 타격을 주었습니다. 하지만 최근 법 개정으로 인해 500달러 미만의 의료비 콜렉션은 크레딧 리포트에 등재되지 않으며, 이미 갚은 의료비 기록도 리포트에서 완전히 삭제됩니다.
콜렉션 에이전시에서 협박성 전화를 하더라도 겁먹지 말고, 병원에 원본 청구서를 요구하여 금액이 정확한지 확인한 후 '페이먼트 플랜(분할 납부)'을 협상하는 것이 좋습니다.
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