[consz]

>If the hospital/provider sends your bill to a collections agency, then it can definitely show up on your reports.

So I agree this was the impression I got in theory, but in practice I’ve never seen this happen. Why is there this mismatch? I check my credit reports once a year, there’s nothing showing up

[joe5150]

It's entirely up to the hospital and the collectors they use (if they use any at all) how aggressively they pursue unpaid bills and whether they will involve your credit report to encourage people to pay. If you've mostly been going to the same places (or as another comment said, live somewhere where it's not as easy to send medical bills to collections), I can see it not really being a problem for you.

[eek2121]

I have, sometimes bills go to collections without me even receiving a bill from the doctor/hospital themselves.