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The medical bills may appear on your credit report if they were turned over to collections. These bills stay on your credit report for up to seven years, even if they’ve been paid off or settled.

You can try to improve your current credit situation by applying for a secured credit card. This card is the best option for you because it was created for those who have problems getting a credit card due to past mistakes. And the secured cards report your credit performance to major credit bureaus.