Credit report

“An arm and a leg”: good news for your credit report

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Credit bureaus announced in March that they would start removing most paid medical debt from people’s credit reports. At first we weren’t sure it would be such a big deal. After all, unpaid medical debt would still exist, people would still be harassed by debt collectors, or even sued. But it turns out there are a bunch of reasons these changes could be life-changing, and we want to give credit (the right kind) where it’s due.

Changes include:

  • Reimbursed medical debt disappears from credit reports on July 1, 2022.
  • Debts under $500 (even if you haven’t paid them) come out of the reports in March 2023.
  • Medical bills under $500 that you received after March 1, 2022 will not appear on your credit report.
  • No medical bill – of any size – will appear on your credit report until it is at least one year old, beginning July 1, 2022.

Plus, some nice changes to the games debt collectors can play with your credit score.

“One Arm and One Leg” is a co-production of KHN and Public Road Productions.

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KHN (Kaiser Health News) is a national newsroom that produces in-depth journalism on health issues. Along with policy analysis and polling, KHN is one of the three main operating programs of KFF (Kaiser Family Foundation). KFF is an endowed non-profit organization providing information on health issues to the nation.


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