Fanfaire,

There are three credit bureaus, FICO, Experian and Transunion. Together these three come up with a number, each have their own system, and those 3 numbers make up your credit rating.

Keeping a good credit rating these days involves more than having no debts...it involves having debts and paying on time. The current system encourages people to open credit lines, but NOT run them up to the limit.

If you are late on one payment, your three scores and dive.

If you seek credit more often than they like, your scores can dive.

If you have potential creditors check your credit scores too often they can dive.

If you have no debt, your score can be low, even if you are very fiscally responsible.

Your MED FICO score is going to be somehow related to your regular FICO score and it was reported on CNN that hospitals have already purchased the services.

They said it will not be available upon admission....BULL!

Of course it will affect care....this is just another reason we need universal coverage. Why should a credit score affect people who may have a late payment or no debts and who have health insurance!

This is a ludicrous idea, that again springs from the current economic climate in this country.

This is going to nail the middle class quite badly in the long run.

You can't get away from this credit score idea.....

I think it is best to pay in cash or not buy, except for house car etc....I mean some things you can't charge. Probably because I am sick, and don't have a lot of resources to draw on, things I used to think I NEEDED, I don't even WANT anymore....so much for need versus want....so I spend a lot less these days.

I can't believe they WANT the public to have debt to have a good score...

This isn't about borrowing....this is about getting health care!!!