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Will My Overdue Health Club Bill Appear on My Credit Report?

Lynnette Khalfani-Cox, The Money Coach by Lynnette Khalfani-Cox, The Money Coach
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Q:  If I have an overdue account at a health club, and the club sent me to a collection agency, will this go against my report?

I was told that health clubs do not get reported.

A: It’s not true that health club bills that are overdue or that go into collections don’t get reported to the credit bureaus.

Any institution that is a registered “credit furnisher” can report information about an account to the credit agencies.

A credit furnisher can be practically any institution, including: a mortgage lender, a student loan firm, a library, a state agency, a credit card company, a retail store, a hospital, a company that sells magazines, and yes, even a health/fitness club.

Whether or not your delinquency or your collection account actually gets reported depends on whether or not the health club is already a recognized as an authorized credit furnisher – or a business that does, indeed, supply data to the credit bureaus on a regular and consistent basis.

Read this related article I wrote on this topic for more advice about why some companies just don’t report to the credit bureaus.

Also, be aware that if your account is reported as a collection, and that collection winds up becoming a court judgment against you, then that could also wind up on your credit report as a negative item — a “public record.”

I hope this info helps. Good luck!

Tags: gym membershiphealth club membershipoverdue
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About

Lynnette Khalfani-Cox, The Money Coach®, is a personal finance expert, speaker, and author of 15 money-management books, including the New York Times bestseller Zero Debt: The Ultimate Guide to Financial Freedom.

Lynnette has been seen on more than 1,000 TV segments nationwide, including television appearances on Oprah, Dr. Phil, The Dr. Oz Show, The Steve Harvey Show, Good Morning America, The TODAY Show and many more.

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