Medical Debt on a Credit Report: What Still Applies in Your State
Build a medical-debt credit dispute It runs locally in this browser and sends nothing.
LIMIT FIRST: This is a record-keeping and dispute-drafting aid, not legal or financial advice. It cannot cancel a debt, stop all collection calls, or guarantee that a dispute is upheld.
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Cost and free path
Cost: Free: one complete run in this browser, no account. Optional $4 one-time unlock allows unlimited runs of this tool on this browser. The free path and safety guidance never require payment.
Rule status (mixed route): Status, 2026-10-03: the federal medical-debt credit-reporting rule was vacated (E.D. Tex., 2025-07-11) and its preemption of 15 state laws is contested; bureau voluntary removals continue, so check the rule in your state.
Automated decision this documents: medical-debt furnishing and automated credit reporting
Free path, in order (no cost):
AnnualCreditReport.com — the federally authorised free report site
CFPB's medical-debt and credit-report guidance and complaint route
A legal-aid medical-debt project, found through LawHelp.org
What this cannot do: It cannot cancel a debt, stop all collection calls, or guarantee that a dispute is upheld.
Sources checked 2026-10-03 · source bank reviewed against the live pages listed in metadata.
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This tool reduces uncertainty; it does not replace a bank's fraud department, a mental-health professional, legal advice, a school privacy contact, or qualified technical help, and it cannot prove that a call, message, account, decision, or AI system is safe.
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