The difference between science-based medicine and CAM There is a huge difference between science-based medicine (SBM) and so-called âcomplementary and alternative medicineâ (CAM) or, as itâs increasingly called, âintegrative medicine.â
The only positive in this situation is that in September, the collection account will be removed from your credit report, which should boost your credit history. The judgment should also be removed from your credit report seven years from the date it was entered. The bad news is the judgment will still be there, even though you can't see it on your credit report, lurking in the shadows, waiting for the worst possible time to leap out and surprise you.
All of these items, except in limited circumstances, will be on your report for seven years. While the negative marks on your credit history will stay there for seven years, they wonât pull down your credit score the exact same amount every single year. A late payment today is significantly worse for your credit history and credit score than one from six years ago.