<prompt> Human: Long story short, I owed about 1k in medical bills for about 2 years and I had numerous agencies contacting me to collect them. But as a broke college student, I just didnt pay them. It reflected on my credit report up until recently. My credit score just jumped 50 points and no longer does my report show these derogatory marks. I am not savvy in the field of credit so can someone explain this phenomenon?  <response>: ...or you could have benefited from John Olivers medical debt forgiveness show, either directly or by proxy. Http:mobile.nytimes.com20160607artstelevisionfor-his-latest-trick-john-oliver-forgives-15-million-in-medical-debt.amp.html 