FICO announces changes to how they measure your credit score. FICO will make changes that will put less emphasis on medical debt, this fall. Expect your FICO score to go up by about 25 points, if the only unpaid debt on your credit report is medical debt. FICO will also start ignoring debts in collections that have been paid off or settled. Currently, even paid off debts that went to collection are factored into credit scores for up to seven years.