{"id":270709,"date":"2025-04-28T07:51:00","date_gmt":"2025-04-28T09:28:00","guid":{"rendered":"https:\/\/hispanicprwire.com\/english-debt-com-survey-91-of-americans-with-medical-debt-say-it-shouldnt-hurt-credit-scores-but-political-attacks-on-cfpb-put-new-protections-at-risk\/"},"modified":"2025-04-28T08:00:01","modified_gmt":"2025-04-28T12:00:01","slug":"encuesta-de-debt-com-el-91-de-los-estadounidenses-con-deuda-medica-dicen-que-no-deberia-perjudicar-los-puntajes-crediticios-pero-los-ataques-politicos-a-la-cfpb-ponen-en-riesgo-las-nuevas-proteccion","status":"publish","type":"post","link":"https:\/\/hispanicprwire.com\/en\/encuesta-de-debt-com-el-91-de-los-estadounidenses-con-deuda-medica-dicen-que-no-deberia-perjudicar-los-puntajes-crediticios-pero-los-ataques-politicos-a-la-cfpb-ponen-en-riesgo-las-nuevas-proteccion\/","title":{"rendered":"Debt.com Survey: 91% of Americans with Medical Debt Say It Shouldn&#8217;t Hurt Credit Scores &#8211; But Political Attacks on CFPB Put New Protections at Risk"},"content":{"rendered":"<p><\/p>\n<style type=\"text\/css\"><![CDATA[\n\/* Style Definitions *\/\nspan.prnews_span\n{\nfont-size:8pt;\nfont-family:\"Arial\";\ncolor:black;\n}\na.prnews_a\n{\ncolor:blue;\n}\nli.prnews_li\n{\nfont-size:8pt;\nfont-family:\"Arial\";\ncolor:black;\n}\np.prnews_p\n{\nfont-size:0.62em;\nfont-family:\"Arial\";\ncolor:black;\nmargin:0in;\n}\n]]><\/style>\n<div class=\"xn-content\">\n<p><span class=\"legendSpanClass\"><span class=\"xn-location\">FORT LAUDERDALE, Fla.<\/span><\/span>, <span class=\"legendSpanClass\"><span class=\"xn-chron\">April 28, 2025<\/span><\/span> \/PRNewswire-HISPANIC PR WIRE\/ &#8212; A new national <a href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=4413875-1&amp;h=473751370&amp;u=https%3A%2F%2Fwww.debt.com%2Fresearch%2Fmedical-debt-survey%2F&amp;a=survey+from+Debt.com\" target=\"_blank\" rel=\"nofollow\">survey from Debt.com<\/a> finds 9 in 10 Americans with medical debt believe it should not appear on credit reports, just months after the Consumer Financial Protection Bureau (<a href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=4413875-1&amp;h=4288950590&amp;u=https%3A%2F%2Fwww.debt.com%2Fnews%2Ftrump-is-trying-to-kill-the-cfpb-heres-what-you-should-do-about-it%2F&amp;a=CFPB\" target=\"_blank\" rel=\"nofollow\">CFPB<\/a>) finalized a rule to remove it. But the agency and its rule are under threat, as some lawmakers push to dismantle both.<\/p>\n<div id=\"prni_dvprnejpg0ee3left\" dir=\"ltr\" style=\"width: 100%; text-align: left;\"><img decoding=\"async\" id=\"prnejpg0ee3left\" title=\"A new national survey from Debt.com 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. According to the poll of 682 U.S. adults, the vast majority support the CFPB\u2019s move, with 91% of those with medical debt agreeing that it should be excluded from credit reports. \" src=\"https:\/\/mma.prnewswire.com\/media\/2673761\/Medical_Debt_Survey_2025.jpg\" alt=\"A new national survey from Debt.com 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. According to the poll of 682 U.S. adults, the vast majority support the CFPB\u2019s move, with 91% of those with medical debt agreeing that it should be excluded from credit reports. \" align=\"middle\"\/><\/div>\n<p>According to the poll of 682 U.S. adults, the vast majority support the CFPB&#8217;s move, with 91% of those with medical debt agreeing that it should be excluded from <a href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=4413875-1&amp;h=4047327389&amp;u=https%3A%2F%2Fwww.debt.com%2Fcredit-report%2F&amp;a=credit+reports\" target=\"_blank\" rel=\"nofollow\">credit reports<\/a>. More than half say medical bills have already damaged their credit, in some cases dropping scores by more than 100 points.<\/p>\n<p>&#8220;Medical debt is often unavoidable and doesn&#8217;t reflect financial responsibility,&#8221; say 30% of respondents. Another 10% agreed that the system is too complex and inaccurate to be used in credit scoring.<\/p>\n<p><a href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=4413875-1&amp;h=878493357&amp;u=https%3A%2F%2Fwww.debt.com%2Fauthor%2Fhdvorkin%2F&amp;a=Howard+Dvorkin%2C+CPA\" target=\"_blank\" rel=\"nofollow\"><span class=\"xn-person\">Howard Dvorkin<\/span>, CPA<\/a> and Chairman of Debt.com agrees, &#8220;We don&#8217;t penalize people for getting sick, but that&#8217;s exactly what happens when medical debt lowers their credit score. This isn&#8217;t about dodging responsibility\u2014it&#8217;s about recognizing that health emergencies shouldn&#8217;t derail someone&#8217;s entire financial future.&#8221;<\/p>\n<p>The survey paints a troubling picture of how deeply medical debt is woven into American lives:<\/p>\n<ul type=\"disc\">\n<li><b>51%<\/b> currently owe medical debt<\/li>\n<li><b>59%<\/b> say their debt has led them to skip or delay necessary care<\/li>\n<li><b>20%<\/b> owe <span class=\"xn-money\">$10,000<\/span> or more<\/li>\n<li><b>9%<\/b> owe <span class=\"xn-money\">$50,000<\/span> or more<\/li>\n<\/ul>\n<p>Among those with damaged credit:<\/p>\n<ul type=\"disc\">\n<li><b>30%<\/b> saw their credit score fall by <b>50\u2013100 points<\/b><\/li>\n<li><b>14%<\/b> saw a drop of <b>more than 100 points<\/b><\/li>\n<\/ul>\n<p>&#8220;Medical debt doesn&#8217;t just show up on a credit report\u2014it shows up in everyday life,&#8221; says <a href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=4413875-1&amp;h=4073628274&amp;u=https%3A%2F%2Fwww.debt.com%2Four-story%2F&amp;a=Don+Silvesti%2C+President+of+Debt.com\" target=\"_blank\" rel=\"nofollow\"><span class=\"xn-person\">Don Silvesti<\/span>, President of Debt.com<\/a>. &#8220;It drains savings, delays goals, and forces people to make impossible choices between their health and their finances.&#8221;\u00a0 To pay for medical debt, survey respondents took a hit to their financial stability:<\/p>\n<ul type=\"disc\">\n<li><b>36%<\/b> wiped out their emergency savings<\/li>\n<li><b>26%<\/b> tapped retirement funds<\/li>\n<li><b>26%<\/b> charged medical bills to credit cards<\/li>\n<li><b>17%<\/b> struggled to afford rent, utilities, or food<\/li>\n<\/ul>\n<p>As inflation continues, <b>86%<\/b> say it&#8217;s become harder to pay off medical debt. The consequences are not only financial but deeply personal with <b>57%<\/b> saying debt is delaying major life goals like higher education, marriage, homeownership, or starting a family. Millennials are the most affected, with <b>62%<\/b> reporting that medical debt is holding them back.<\/p>\n<p>Debt.com&#8217;s data suggests Americans overwhelmingly oppose the idea of the CFPB medical debt protections ending\u2014and want <a href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=4413875-1&amp;h=3680294213&amp;u=https%3A%2F%2Fwww.debt.com%2Fstudent-loan-solutions%2F&amp;a=solutions\" target=\"_blank\" rel=\"nofollow\">solutions<\/a> that reflect financial reality, not punishment for medical emergencies.<\/p>\n<p><b>About Debt.com<\/b><br \/>Debt.com is a leading resource for personal finance education and debt solutions. In partnership with certified credit counselors and financial professionals, Debt.com helps individuals navigate challenges related to credit, budgeting, student loans, and more.<\/p>\n<div id=\"prni_dvprnejpg91baleft\" dir=\"ltr\" style=\"width: 100%; text-align: left;\"><img decoding=\"async\" id=\"prnejpg91baleft\" title=\"Debt.com is the consumer website where people can find help with credit card debt, student loan debt, tax debt, credit repair, bankruptcy, and more. Debt.com works with vetted and certified providers that give the best advice and solutions for consumers \u2018when life happens.\u2019\" src=\"https:\/\/mma.prnewswire.com\/media\/1576979\/Debt_com_Logo.jpg\" alt=\"Debt.com is the consumer website where people can find help with credit card debt, student loan debt, tax debt, credit repair, bankruptcy, and more. Debt.com works with vetted and certified providers that give the best advice and solutions for consumers \u2018when life happens.\u2019\" align=\"middle\"\/><\/div>\n<p>Photo &#8211; <a href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=4413875-1&amp;h=1496890117&amp;u=https%3A%2F%2Fmma.prnewswire.com%2Fmedia%2F2673761%2FMedical_Debt_Survey_2025.jpg&amp;a=https%3A%2F%2Fmma.prnewswire.com%2Fmedia%2F2673761%2FMedical_Debt_Survey_2025.jpg\" target=\"_blank\" rel=\"nofollow\">https:\/\/mma.prnewswire.com\/media\/2673761\/Medical_Debt_Survey_2025.jpg<\/a>\u00a0<\/p>\n<p>Logo &#8211; <a href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=4413875-1&amp;h=3318182321&amp;u=https%3A%2F%2Fmma.prnewswire.com%2Fmedia%2F1576979%2FDebt_com_Logo.jpg&amp;a=https%3A%2F%2Fmma.prnewswire.com%2Fmedia%2F1576979%2FDebt_com_Logo.jpg\" target=\"_blank\" rel=\"nofollow\">https:\/\/mma.prnewswire.com\/media\/1576979\/Debt_com_Logo.jpg<\/a><\/p>\n<p>SOURCE  Debt.com<\/p>\n<\/div>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<div class=\"xn-content\">\n<p><span class=\"legendSpanClass\"><span class=\"xn-location\">FORT LAUDERDALE, Fla.<\/span><\/span>, <span class=\"legendSpanClass\"><span class=\"xn-chron\">April 28, 2025<\/span><\/span> \/PRNewswire-HISPANIC PR WIRE\/ &#8212; A new national <a href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=4413875-1&amp;h=473751370&amp;u=https%3A%2F%2Fwww.debt.com%2Fresearch%2Fmedical-debt-survey%2F&amp;a=survey+from+Debt.com\" target=\"_blank\" rel=\"nofollow noopener\">survey from Debt.com<\/a> finds 9 in 10 Americans with medical debt believe it should not appear on credit reports, just months after the&#8230;<\/p>\n","protected":false},"author":1,"featured_media":270710,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-270709","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-negocios-y-finanzas"],"acf":[],"_links":{"self":[{"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/posts\/270709","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/comments?post=270709"}],"version-history":[{"count":"1","href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/posts\/270709\/revisions"}],"predecessor-version":[{"id":270712,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/posts\/270709\/revisions\/270712"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/media\/270710"}],"wp:attachment":[{"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/media?parent=270709"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/categories?post=270709"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/tags?post=270709"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}