This summer, the three major credit reporting companies, Equifax, Experian, and TransUnion, announced changes to medical debt collection reporting. Once a person pays medical debts, they’re still on your report for a time, but that will change in July. Once you have a medical obligation that you paid off, it will come off your credit report starting in July. Consumers will also have up to one year to work with insurance or healthcare providers to pay a medical debt before reporting the unpaid debt on their credit file.