What is the Statute of Limitations on Medical Bills

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What is the Statute of Limitations on Medical Bills

Are past-due medical bills hurting your credit score? Removing debts of any kind from your credit report could help boost your credit score by 30 or more points. Like most debts, there is a . DoNotPay will help you answer all your questions and issues regarding credit reports. Read more to learn.

How Long Is the Statute of Limitations on Medical Bills?

The is dictated on a state-by-state basis. For example, in the state of California, it is four years. However, according to Connecticut law, "Connecticut has a six-year statute of limitations for debt collection actions resulting from simple and implied contracts (CGS § 52-576; attachment 1). Medical bills generally are simple or implied contracts and thus the SOL is six years." And in Missouri, one would have to wait 10 years for the statute of limitations to run out on their medical bills. To find out the statute of limitations on your medical bills check this:

Statute of Limitations on Medical Bills for Each StateAll-State
Statutes of Limitations for Each StateCheck your State
Example of a statute of limitation summaryConnecticut Law

Why Is It Important to Improve Your Credit Score?

Societies across the globe are becoming more dependent on credit to make even the simplest of purchases. Today, people are applying for various types of credit for all kinds of things, ranging from buy now, pay later programs for groceries to buying gas. In some of the largest cities in the world, people can pay for nearly everything using their credit cards.

What does this mean for our future? One thing is obvious: not having a line of credit or bad credit scores could drastically affect your quality of life. Here are three examples of why good credit matters more today than ever before.

1. It Has a Direct Effect on Where You Can Live

Negative marks on your credit score can prevent you from living in the places you prefer. This can hold more true when it comes to buying a home — whether exorbitant interest rates you can't afford or flat out being rejected. Even if you're not looking to buy a house shortly, remember that it takes time to increase your credit score. It's best to start now.

2. It Will Help You Buy the Vehicle You Want

A lot of potential car buyers to visit a showroom and experience the following embarrassment:

  • They get convinced a new car can be theirs (thanks to the salesperson);
  • They sit with the salesperson for an hour or more waiting for the credit check to go through;
  • They find out their credit score is too low;
  • They're promptly escorted to the second-chance pre-owned car lot next door.

By fixing your credit scores sooner rather than later, you can avoid such disappointments.

3. It Will Allows You to Get Certain Jobs

Though it may sound unfair and unnecessary, a growing number of employers these days require potential employees to consent to credit checks. Moreover, some companies even conduct periodical credit checks on their current employees.

It's worth noting that some jurisdictions disallow companies from using credit scores; they're only allowed to use credit reports. Secondly, companies typically require credit checks for positions that either require one to handle money and/or a lot of responsibility. You should expect to consent to a credit check for the following jobs:

  • Law enforcement
  • Law
  • Military
  • Security firms
  • IT security
  • Finance
  • Banking
  • Senior management

How to Clean Up Your Credit Report Using DoNotPay

If you want to clean up your credit report but don't know where to start, DoNotPay has you covered in 3 easy steps:

  1. Search Clean Credit Report on DoNotPay.
  2. Prepare a recent copy of your credit report that you can use as a reference.
  3. Let us guide you through the 4 potential options:
  1. If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.
  2. If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.
  3. If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report and they can't collect it!
  4. Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.

You can also check out our other credit products, including Credit Limit Increase, Get My Credit Report, Keep Unused Cards Active, and more! You may also be interested in our other Clean Credit Report products:

Let DoNotPay Assist You In Other Areas

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You name it, DoNotPay can help you. For more information on this topic or something else, !

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