Medical Debts On Your Credit Report
From Credit Coaching by Kristi by Kristi Nowrouzi
September 29, 2025 · 13 min
About this episode
This episode discusses the impact of medical debts on credit reports and what consumers can do to manage them.
In the not too distant past, smaller medical debts that become collections were no longer allowed to be added/reported to your credit report. Unpaid medical debt remains the leading cause of consumer credit damage.Well, a Texas judge recently overturned that and well... the CFPB (Consumer Financial Protection Bureau) doesn't seem to be putting the gloves on to fight this fight. So what can you do if this is your struggle? The Fair Debt Collection Practices Act (FDCPA) prohibits harassment and requires validation of debts. The Fair Credit Reporting Act (FCRA) lets consumers dispute inaccurate or duplicate debts.If you’re struggling with medical debt, check whether your state, county or city offers assistance programs. UndueMedicalDebt.org Explore nonprofit aid organizations. Groups like the Healthwell Foundation or PAN Foundation may help with treatment costs or prescriptions. Questions@creditkristi.com
People in this episode
Host: Kristi Nowrouzi
Topics covered
- medical debt
- credit report
- consumer protection
- debt collection
- financial assistance
Keywords
- medical debt
- credit report
- CFPB
- debt collection
- financial assistance
- consumer rights
Mentioned in this episode
Organizations: CFPB, Fair Debt Collection Practices Act, Fair Credit Reporting Act, UndueMedicalDebt.org, Healthwell Foundation, PAN Foundation
Places: Texas
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