From collections letters to sleepless nights, tax debt comes with plenty of problems. If you owe the Internal Revenue Service a substantial amount of money, you might wonder if your unpaid tax debt can hurt your credit score.

The short answer is: No. The IRS does not report unpaid taxes to the three major U.S. credit bureaus, Experian, TransUnion, or Equifax, so tax debt won’t directly reduce your credit score.