Newer scoring models consider the fact that medical debts might be due to insurance delays, disputes, or other issues beyond the individual's control. These models differentiate medical debt from other types of collections and are designed to lessen the negative impact of medical collections on credit scores. Recent modifications in scoring models emphasize a more comprehensive approach by factoring in medical debt collections in New York, aiming to provide a fairer assessment of individuals' credit histories besides healthcare-related financial burdens.
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