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Bad debts under $500 don’t really hurt your credit?

I just had a bank tell me “no, your credit's great! what were you worried about?” I said I have two medical accounts in collections. The agent immediately replied “yep I see that but balances under $500 don't count.” I will never be giving those two accounts another thought! I thanked her for sharing that debt pro-tip with me and would just like to pass it along. Obviously your results may vary but it's been a couple months now and my FICO score just keeps going up.


I just had a bank tell me “no, your credit's great! what were you worried about?”

I said I have two medical accounts in collections. The agent immediately replied “yep I see that but balances under $500 don't count.”

I will never be giving those two accounts another thought! I thanked her for sharing that debt pro-tip with me and would just like to pass it along.

Obviously your results may vary but it's been a couple months now and my FICO score just keeps going up.

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