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Americans' medical debt can stay in credit reports, judge rules. What does that mean?

By NPR.org  
   July 16, 2025

A federal judge has ruled that medical debt can remain on Americans' credit reports, cancelling a policy set in place by the Biden administration to help relieve the burden of healthcare expenses weighing on nearly a third of the population. The ruling — handed down by U.S. District Court of Texas' Eastern District Judge Sean Jordan on Friday — was a major blow to the Consumer Financial Protection Bureau, which has fought against medical debt as a metric of credit worthiness.

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