Medical debt has long been a silent burden, dragging down millions of Americans. But finally, there's a change: medical debt is being removed from credit reports. This shift is more than overdue—it’s a game-changer for fairness and financial well-being.

Why Is Medical Debt Being Removed?

Unlike other types of debt, medical bills often aren’t the result of choice. Nobody plans for an emergency surgery, a lengthy hospital stay, or a life-saving treatment. For years, medical debt has negatively impacted credit reports, compounding stress for people already struggling.

Why This Is a Long Overdue Change

Medical debt has disproportionately affected individuals facing health crises, trapping them in cycles of stress and instability. Research has shown a strong connection between the mind and body, indicating that stress negatively impacts physical health—something that is particularly detrimental during recovery or while dealing with health issues. This change marks a significant step toward fairness, emphasizing that no one should be penalized for seeking necessary medical care. Medical debt is the leading cause of bankruptcy in the United States.

Moreover, this initiative removes a considerable barrier for those looking to rebuild their financial lives. A poor credit score can complicate efforts to rent a home, secure employment, or qualify for loans—all due to a medical emergency that was beyond their control. 

By making this change, the system moves closer to human well-being over bureaucratic procedures.

Our Take: People Over Profit

We firmly believe that all humans should have access to medical care without suffering financially to stay alive. That’s why we don’t collect on medical debt. Medical care is a right, not a privilege.

This change won’t fix everything overnight, but it’s an important move toward a system that values people over profit. It’s a reminder that progress is possible when we focus on what matters most: making life better for everyone.