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The US credit scoring system has begun aggressively devaluing medical claims against your credit:

https://www.npr.org/sections/health-shots/2017/07/11/5365018...

https://www.experian.com/blogs/ask-experian/medical-debt-and...

You can also easily dispute that $90 bill, and easily get it removed from your record. You'll find there's almost zero chance they're going to tangle with you over $90.

If it's a $5,000 medical bill, then they will fight you over that dispute claim.



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