<prompt> Human: I have a few hospital bills that Im unable to pay that I know my credit will take a hit. Just wondering how much lower it will bring it. Live in VA.  <response>: It doesnt work like that. We dont calculate your score, and cant tell you what one change would do, since we dont know what else you have. Even if we did, we couldnt really tell you, so theres that. 520 is already bad, so it probably wont get that much worse from additional late payments. 