Medical Debt on Credit Report in 2025 and 2026: What Changed, What Didn’t, and Where Things Stand
The federal CFPB rule that would have removed all medical debt from credit reports was struck down in July 2025 and is not currently in effect. Three vital protections survived because they are voluntary credit bureau policies: no reporting of medical debt under $500, a 1-year delay before reporting, and the removal of paid medical … Read more