A credit score is someone's ability to pay back a loan. Whether or not the debt they have is fair, it is the debt they have. A lender shoud be able to consider a person's medical debt when they try to decide whether to loan the person money. It is acceptable to look at a person's entire picture.
The answer in column yes has a good point. However, now that Obamacare has made it easier to afford health care that consideration should be made in thinking about what a person's ability to pay will be. That means that debt from before these policies shouldn't weigh as much as it would otherwise.
That's because it makes sense less so than fairness. Trying to impose too many rules of fairness on credit scores would eventually mean that lenders would start hiring experts with their own measuring systems and scores and stop relying on the credit score altogether.
No it is not fair that medical debts influence your credit score. Many people get sick every single day and of course do not want to be sick. Most of the time they can not help it or do not have the right information to being able to prevent their illness.
Medical debt should not influence a credit score. This is because medicine is related to survival and not consumer spending. Being in debt because of an operation should warrant that debt to a separate category that still allows you to have good credit even if you aren't on top of that debt.
Calculations on credit score should exclude medical debt and all consequent past due bills. Simplifying credit score calculations and excluding irrelevant med bills will increase clients credibility, make new loans more accessible for wider part of the nation and also support entrepreneurship through more affordable bank debt and similar leveraged products.