Medical Debt on Your Credit Report
In 2023, Equifax, Experian, and TransUnion eliminated medical debt under $500 from credit reports and removed paid medical collections. Medical debt over $500 that is unpaid can still appear but you have strong FCRA rights to dispute errors in how it is reported.
2023 Medical Debt Credit Bureau Changes
How to Dispute Medical Collections
No-Pay Removal Strategies for Medical Debt
Frequently Asked Questions
Does medical debt affect your credit score in 2026?
The 2023 CFPB rule removed medical debt under $500 from credit reports and removed paid medical debt. Medical collections under $500 no longer appear on Equifax, Experian, or TransUnion reports.
How do I dispute medical debt on my credit report?
Send a dispute letter to the credit bureau(s) via certified mail identifying the medical collection entry, requesting validation, and citing FCRA Section 611 and the 2023 CFPB rule if applicable.
Can medical debt be removed from credit report?
Yes, paid medical debt and medical debt under $500 must be removed per the 2023 CFPB rule. Unpaid medical debt over $500 can still appear but can be disputed for accuracy, validation, and HIPAA compliance.