Your Credit Score May Improve Without You Lifting a Finger

Your Credit Score May Improve Without You Lifting a Finger

First it was tax liens and civil judgments that no longer counted against your credit score. Now, some medical debts won't count against you either.

The three major credit agencies — Equifax, Experian and TransUnion — will now wait 180 days before reporting medical bills that have gone to collections in order to allow insurance payments to be applied. They are also removing previously listed medical collections that have been or are being paid by insurance.

This change began September 15 and is part of a larger effort by the three agencies to make credit reports more accurate and make it easier for consumers to correct errors. The initiative, called the National Consumer Assistance Plan, was launched in March 2015 and, according to its site, will implement in full by March 2018.

The change in scores won't be drastic — only about 20 points — but it could raise about 200,000 people's scores, reported MarketWatch. So if you have medical debt that meets these standards, it's a good time to check in on your score to make sure the changes are reflected and, if not, contact the agencies.

RELATED: 6 Tips That Will Help You Build — and Keep — Good Credit

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