Will Keeping Your Kids On Your Insurance Hurt Your Credit?

In the meantime, Stephanie will want to reach out to the companies who are trying to collect from her. She can send them certified letters explaining that her son is an adult, and she is not financially responsible for his bills.

And like anyone who dealing with medical billing issues, she should check her credit reports (here’s how she can get her credit reports for free) and monitor her credit scores on a regular basis. She can get a free updated credit score each month at Credit.com. If collection accounts do appear on her credit reports, she will want to dispute them right away.

But she’ll also want to have a heart-to-heart with her son and help him understand that he is legally responsible for these debts, and if he doesn’t pay them, he should expect to get collection calls. These unpaid bills could even land him in court if he is sued for the debt. At a minimum, he’ll be dealing with the repercussions on his credit for the next seven years or more. So he should monitor his credit as well.

Any opinions expressed in this column are solely those of the author.

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