<prompt> Human: I spent 3 years waiting for a heart transplant. I was on an artificial heart for the last year of my wait. When the dust settled, my pre-transplant care and eventual heart transplant totaled a little over 5 million. I have private health insurance and was left with a lot of medical debt from the unpaid portion. This process creates about 8 thousand a year in unpaid medical debt that Im 100 responsible for.My after transplant care is also insainly expensive with medication and clinic checks that require heart biopsies to check for rejection. My wife and I pay what we can and have managed to pay thousands of dollars per year... but each year we fall further and further behind in medical debt. The hospitals sell my debt to collection companies and my home phone never stops ringing. Why is my credit score so high?  <response>: Companies are not required to report to credit agencies. Only if they do, the information has to be correct. 