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Surveys conducted to check whether a person’s credit report excludes his/her medical debts have returned insufficient and null results. Some individual credit reporting agencies when faced with the question of ‘Are medical debts cited in a person’s credit report?’ answered with the fact that they do their best not to divulge a person’s personal medical history and normally list it as ‘Medical Expenses’. It can also be viewed as a case of class distinction with due regards to the acts regarding employment of a disabled person and family and medical leaves. The inclusion of medical debts on your credit report might also be owing to the fact that it helps your employer decide on his policies of offering its employees individual specific insurance plans and other similar benefits.

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