My husband has 95 percent medical collections on his credit report. We have spoken to several mortgage companies and they treat it the same as any other collections. These medical collections are what is keeping his score low and therefore they turn us away and reccomend debt consolidation companies to us. I have read FHA loans treat medical collections differently and so far I find it untrue. What is true in this case? I am beyond frustrated by this. It is cheaper to have a mortgage than rent in my area and it's time for us to buy but we have this barrier.