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Understanding what increases and decreases your credit

Surprising things can affect your credit
Sometimes that which affects your credit has nothing to do with things that should affect your credit. For example, if you sliced your fingers open, went to some urgent care clinic like those walk-in joints across the country, and paid cash for your stitches, your credit could be impacted. Why?

Well, it turns out there are certain scams that are meted out at an infrastructural level by certain organisations that handle bill collection. Because most people handle bills through insurance companies, when you pay with cash, a lot of the minimum-wage employees processing your transaction could mess up.

Oftentimes they don’t see orders where individuals pay with cash, so they assume there’s been some error and a bill has been missed, or something of the kind. So they’ll send you a bill even though you paid at the time of the service. You could pay with check, debit card, or cash if the clinic will accept it; it doesn’t matter.

When people are trained not to think critically, they see something “uncommon” like a payment that doesn’t come from an insurance company, and to cover their bases, they just send out a bill anyway. They’re not paid very much, so you can bet they’re not going to spend extra time getting to the bottom of the discrepancy!

Now at this level, it isn’t the employee’s fault when a wrongly dealt bill gets to you. It’s that individual’s manager who is at fault. Such individuals know “the score”, and they allow the low guys on the totem pole to play CYA (Cover Your “Assessment”) because many customers will pay the bill anyway, assuming they owe it.

Understanding what increases and decreases your credit

What if you’ve been falsely charged?

But what if you legitimately don’t owe that urgent care clinic any money, and you don’t pay this unjust bill? Well, it will likely go on your credit report. Now in many scenarios, medical bills aren’t included in credit scores. But not in all cases. It all depends on the agency who handles the transaction, the cost involved, etcetera.

When managers of low-level employees understand they can increase performance metrics by allowing CYA errors to slip by, they let errors slip by and resolve them unless some “squeaky wheel” stands on their rights and demands it. Sometimes legitimate errors lead to false billing. Sometimes, real scams are involved.

The other downside is that oftentimes, such things are hard to get removed from your credit report even if you go through the proper channels and level a proper dispute. It’s a big issue. So here’s what you can do: know what affects your credit, avoid compromising situations, and pay all bills immediately and swiftly.

Understanding what increases and decreases your credit

Consolidating bills

Sometimes paying the unjust bill is worth it for credit scores alone; it all depends on how you conduct yourself. One thing that’s for sure: if you have credit cards and don’t pay them off on time, your credit score will be affected. It’s wise to consolidate credit payments to avoid this.

Does consolidated credit affect your credit score? Well, probably yes; in a positive way — but not immediately; according to Consolidated.Credit, “Credit card debt consolidation and debt consolidation make sense if you have a lot of credit card debt and want to reduce your credit card debt,” i.e. few consolidate without debt.

So if you’ve got debt, you likely don’t have the most “stellar” credit score, as the saying goes. Certainly you might, and you might even be paying it off on time; but usually you don’t have to use a measure like debt consolidation if everything is going “swimmingly”. But either way, paying bills off as swift as possible is wise.

20 Jun 2017 11:22


About Boris Dzhingarov

Boris Dzhingarov graduated UNWE with a major in marketing. He is the CEO of ESBO ltd brand mentioning agency. He writes for several online sites such as,,, Boris is the founder of and