28-04-2025
Debt.com Survey: 91% of Americans with Medical Debt Say It Shouldn't Hurt Credit Scores - But Political Attacks on CFPB Put New Protections at Risk
FORT LAUDERDALE, Fla., April 28, 2025 /PRNewswire/ -- A new national survey from finds 9 in 10 Americans with medical debt believe it should not appear on credit reports, just months after the Consumer Financial Protection Bureau ( CFPB ) finalized a rule to remove it. But the agency and its rule are under threat, as some lawmakers push to dismantle both.
According to the poll of 682 U.S. adults, the vast majority support the CFPB's move, with 91% of those with medical debt agreeing that it should be excluded from credit reports. More than half say medical bills have already damaged their credit, in some cases dropping scores by more than 100 points.
'Medical debt is often unavoidable and doesn't reflect financial responsibility,' say 30% of respondents. Another 10% agreed that the system is too complex and inaccurate to be used in credit scoring.
Howard Dvorkin, CPA and Chairman of agrees, 'We don't penalize people for getting sick, but that's exactly what happens when medical debt lowers their credit score. This isn't about dodging responsibility—it's about recognizing that health emergencies shouldn't derail someone's entire financial future.'
The survey paints a troubling picture of how deeply medical debt is woven into American lives:
Among those with damaged credit:
'Medical debt doesn't just show up on a credit report—it shows up in everyday life,' says Don Silvesti, President of 'It drains savings, delays goals, and forces people to make impossible choices between their health and their finances.' To pay for medical debt, survey respondents took a hit to their financial stability:
As inflation continues, 86% say it's become harder to pay off medical debt. The consequences are not only financial but deeply personal with 57% saying debt is delaying major life goals like higher education, marriage, homeownership, or starting a family. Millennials are the most affected, with 62% reporting that medical debt is holding them back.
data suggests Americans overwhelmingly oppose the idea of the CFPB medical debt protections ending—and want solutions that reflect financial reality, not punishment for medical emergencies.
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