Which source provides the data used in credit reporting to view unpaid medical bills?

• A. Credit Bureaus
• B. Hospitals
• C. Insurance Databases
• D. Court Records

Answer: (A)

Unpaid medical bills appear in your credit report because credit bureaus collect and maintain the data that lenders and furnishers report about your accounts. Hospitals and insurers generate bills, but they don’t keep or directly publish your nationwide credit file. When a medical provider or a collection agency reports the status of a bill—such as past due or in collections—that information is sent to one or more credit bureaus. The bureaus compile these reports into your credit file, which is what you see when you view your credit report. Public records like court judgments can appear as separate items if they exist, but the recurring data that shows up for typical unpaid medical bills comes from the credit bureaus.