Your credit score may be affected by outstanding medical bills, but not as significantly as if it would be for outstanding credit card bills. The medical bills will affect your credit score only if they are sent for collection. To reestablish your credit, you should pay off your medical bills or dispute them, so they stop having a negative impact on your credit report. If you have a credit card, make sure payments are on time, and you will improve your credit. If you haven’t got a credit card, you can consider a secured credit card. Use of a credit card will help you improve your credit score if you manage your credit responsibly.