How bad does your credit have to excused from a job? I have 11 derogator accounts; all of these accounts are medical bills. I didn’t have health insurance for a while. I paid off over 4000 dollars in medical bills last year and have yet to begin making payments on the bills on my credit report. I figured pay current bills to prevent anymore from going on my report. (Executive Assistant supporting ceo,cfo and coo at a Medical facilities)