Understanding the New Rule on Medical Debt and Your Credit Report

Medical debt has long been one of the biggest credit-killers in the U.S. But now, thanks to new regulations, millions of Americans are getting relief. If you've struggled with medical bills in the past, this blog will explain how 2025’s new rule could give your credit score a major boost.

What Changed in 2025?

As of this year, the three major credit bureaus—Equifax, Experian, and TransUnion—are no longer including medical collection debts under $500 on credit reports.

Additionally:

• Paid medical collections must be removed from your report.

• Medical debts that are less than one year old will no longer be reported.

• Older debts must meet stricter documentation requirements to remain.

Why This Matters

Medical bills often appear on reports without warning, especially if a hospital or clinic sent your bill to collections without properly notifying you. This new rule protects consumers from unfair reporting practices.

📉 Before the rule, medical debt could lower your score by 50–100+ points, even for small or paid-off accounts.

How to Take Advantage of the Change

✅ Check your credit report to see if medical collections are still showing
✅ If they are paid or under $500, dispute them immediately
✅ Use a professional credit repair team like Scuderia 800 to handle disputes efficiently
✅ Join Club 800 for access to financial education, tools, and bonus content

Conclusion

The new 2025 medical debt rule is one of the most consumer-friendly changes in years. If medical bills have been holding you back, now’s the time to act. At Scuderia 800, we help you remove negative marks and take full advantage of your rights.

📲 Want help checking your credit and removing medical debt?
Send us a message now and get access to Club 800 for tools, guidance, and credit-building hacks.