All of those things that you mentioned are just part of a myth. (nakedpastor.com)
This is the dangerous part of the myth, and a claim that should be challenged. (moneysense.ca)
A big part of the myth says that, even if it does appear on your credit report, medical debt is treated differently by the credit bureaus who will not assign a heavy weighting to it in scoring your credit. (lendedu.com)