Medical bills do affect your credit if they are sold to a collection agency due to non-payment. Doctors and hospitals don't report debts directly according to the National Consumer Law Center (NCLC), and will typically work out a payment plan before selling it to a collection agency if you can't pay the bill all at once.
Get Your Medical Bills Professionally Removed
In some cases, we recommend speaking with a Credit Repair professional to analyze your credit report. It's so much less stress, hassle, and time to let professionals identify the reasons for your score drop.
If you're looking for a reputable company to increase your credit score, we recommend Credit Glory. Call them on (866-971-6607) or setup a consultation with them. They also happen to have incredible customer service.