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Even if you tell individual lenders, such as your mortgage holder, that information won’t make it onto your credit report.

The balance with the lender could show as a regular debt, minus any medical information, he says.Trans Union includes the balance in collections and that it’s medical debt, says O’Neal, with no information on providers or services. Another item that doesn’t show up on credit reports is a prepaid debit card.“They are not on your credit report because they are not an extension of credit,” Ulzheimer says.Utility providers are also often missing from credit reports.While some power, gas and phone companies routinely report to credit bureaus and as a result, show up on your credit report, more often they don’t, Ulzheimer says.

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