If you are one of those people that consistently monitor your credit score, you may notice soon that it will be rising.

One of the big credit reporting services, FICO, has said it will stop including any record of a bill that hasn't been paid in your score if that bill gets paid or settled with a credit agency. That will result in an improving score.

The bills that are most likely to be affected by this change are your medical bills. Steve Scanlon at GuardVest told KTRH this could lead to more credit problems.

“We want things. We want them now. If you have access to more money to buy more stuff, that’s problematic,” Scanlon said. “It’s not a good trend to set.”

And Scanlon says it reminds him of what happened in the years right before the Great Recession.

“Didn’t we just go through this in the early 2000’s when everybody could get a loan for a house that they ultimate couldn’t afford,” Scanlon explained.

But Scanlon admits it’s not all gloom and doom, especially if you take advantage of what could be coming.

“If I’m getting something wiped away, maybe I can refinance my house and lower my monthly bills then that’s a good thing,” Scanlon explained. “It all depends on what you do with the improved score.”

And Scanlon also says because FICO has made the change, he wouldn't be surprised if Experian and TransUnion, the other two major credit reporting services, wind up doing the same thing.