re: Medical Debt Should Not Ever Be Used to Harm Credit Worthiness

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Getting sick or injured is not a decision made by the sick or injured.

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Not always true. Many actions help lead toward being injured (risky activities) or sick. Regarding being sick, some people choose to eat unhealthy, take drugs, over indulge in alcohol, smoke, not exercise, etc. Those are choices that other consumers should not have to support through increased health insurance costs or increased taxes.

Now, regarding credit worthiness. Shouldn't the fact that someone owes money they cannot pay back also affect other potential lenders decision regarding the consumers ability to pay them back (along with the other creditors)?

In pronciple, I agree with you; however, I also believe that potential creditors need full and accurate information in order to determine if a potential borrower will or can pay you back.