https://www.marketwatch.com/story/it-could-be-the-difference-between-an-approval-and-denial-experian-equifax-and-transunion-remove-fully-paid-medical-debt-from-credit-reports-on-july-1-will-this-help-your-credit-score-11656703154?utm_source=facebook&utm_medium=news_tab

Small medical claims are not as abundant as they used to be but they are still common. One collection line could cost 60-70 points and take years to make up. Most mortgage lenders can ignore the small ones but not the resulting scores.