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Know that what may really negatively affect your credit score is the number of unpaid bills you have. Some types are most influencial than others like medical bills. In fact, Once you have unpaid medical bills, you can really hurt your credit score. Though you have health insurance, but know that insurances cannot arrange everything. As a result, your affected credit score will be reported to specialist bureaus where everything would be recorded to finanlly start running for repairing it from the beginning. Improving or repairing a credit score is not that easy step, but you have no other choice in order to be creditworthiness. One day you will need help loan and financial assistance, but your credit report as well yur credit score may prevent you from getting loan approval. So that try to avoid medical bills and pay them on time.