New Fico 9. . .how could it affect your score? Apparently the purpose of Fico 9 implementation is for the credit bureaus to treat medical debt differently than other consumer debt. The theory is that medical debt is out of our control and it should not be treated the same way that consumer debt is treated for scoring purposes. There are articles out there saying that for many it will increase their score. This was started in 2014 but implementation has been slow and most will not be affected until this year.