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We study how consumers interact with financial products and services to help identify potential problems in the marketplace and achieve better outcomes for all. Review our reports and analyses to help inform your decisions, policies, and practices. And, see reports that we periodically prepare about the CFPB.

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Category: Data point | Category: Office of Research Publication |

Consumer Credit and the Removal of Medical Collections from Credit Reports

The three nationwide consumer reporting companies removed medical collections under $500 from credit reports in April 2023. We study removals of medical collections from credit reports that occurred between 2012-2020 to shed light on the potential effects of this reporting change. We find associated increases in credit score and credit availability.