Medical Debt Relief Act of 2025

This bill aims to take medical debt out of your credit life. It would stop credit bureaus from putting any medical debt on your credit report, including debt sent to collections or written off. It also tells the consumer watchdog agency to update rules so lenders can’t use medical debt information when deciding whether to give you a loan or credit card.

Key points:

• Who is affected: People with medical bills, credit bureaus, and lenders.
• What changes: Medical debt would no longer appear on credit reports, and lenders would be blocked from using medical debt to make lending decisions.
• When: The agency must put the no-use rule for lenders in place within one year of the law taking effect.

In short, the goal is to make sure medical bills don’t hurt your credit score or lending options, because they often come from emergencies or unexpected health needs.