alllast visit: 13th Aug '12member since: Aug 13th 2012about me:
To answer more completely, if your medical bills go into collections the collection affects your credit score, primarily for the first 12 months, it will reduce your score by about 20 to 30 points for each collection. After 12 months if does not affect your score but will remain shown on your report which lenders can see.
However, if it is listed as a MED 01 or MED 02, which refers to emergency services, then lenders do not hold that against you. For instance if you apply for a car loan and the lender pulls your credit report, he will not count MED 01 and MED 02 against you. I hope that makes more sense and answers your question!
If your medical bills are listed on your credit report then it has already affected your credit score, and though you are responsible for the debt as long as it is a legitimate medical bill, it's better to establish new healthy credit to increase your score. Paying the medical bills off will not increase your score, nor will it remove it, it will remain for 7 years but you can request it be updated to "Paid As Agreed"