Medical Debt Shows Up Less Often on Credit Reports [The New York Times]
TransUnion (TRU)
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Source: The New York Times
The share of Americans with unpaid medical bills tainting their credit files has fallen in the two years since the major credit reporting agencies — Equifax, Experian and TransUnion — changed how that debt was reported, a federal watchdog agency said this week.But even with the changes, some 15 million people — many of them living in low-income communities and in the South — still have medical bills in their credit files, the Consumer Financial Protection Bureaua ruleThe bureau estimated in a 2022Yet the bureau’sresearchmedical collection debt“There’s a lot of back and forth,” said Breno Braga, a principal research associate at the Urban Institute think tank and a co-author of a recent report onmedical debtIn 2022, amid scrutiny from the consumer bureau, the three major credit reporting agencies voluntarily adopted changes in how medical bills were included in credit files. They agreed to exclude any medical collection debts that had been paid and those that were less than a year old,
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