The Daily Populous Tuesday July 15th, 2025 night edition
Authored by denver7.com and submitted by AudibleNod

A federal judge in Texas has reversed a Biden administration rule that wiped medical debt from credit reports, affecting nearly 15 million Americans.

The rule, which did not discharge debt but changed how credit scores could be calculated, would have removed $50 million of medical debt from credit reports.

U.S. District Judge Sean Jordan, who was appointed by President Donald Trump during his first term, argued in his decision that the Fair Credit Reporting Act does not allow the Consumer Financial Protection Bureau (CFPB) to remove medical debt from reports.

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The CFPB had made the changes in January before President Joe Biden left office. The independent agency had calculated that the new credit reporting rules would result in an additional 22,000 mortgages every year and boost Americans’ credit scores by an average of 20 points.

Although the judge has prevented the advancement of these changes, he noted that the bureau can "encourage" creditors to use other categories of information.

This story was reported on-air by a journalist and has been converted to this platform with the assistance of AI. Our editorial team verifies all reporting on all platforms for fairness and accuracy.

HeelStriker5k on July 14th, 2025 at 16:14 UTC »

Jokes on them, I am still not paying it.

Jokes on me, I still can't afford to pay it.

johnwynnes on July 14th, 2025 at 16:10 UTC »

"Oh you fought and survived stage 3 cancer? Well, how about you're also not going to ever qualify for a mortgage too?" Makes perfect sense.

DravidVanol on July 14th, 2025 at 15:56 UTC »

They said the CFPB overreached. No, the system just over-punishes. Medical debt isn’t a lifestyle choice. It’s a side effect of broken healthcare.