New Credit Reporting Rules in New York for Medical Debt

On December 13th, 2023, New York State Governor Hochul signed legislation to protect New York consumers from ongoing financial consequences related to medical debt. Effective immediately, hospitals, health care professionals, and ambulances cannot report medical debt to credit agencies. If you have medical debt (incurred in New York State) on your credit report and it has not been removed, you can dispute the debt with the three credit bureaus. The Federal Trade Commission provides step-by-step instructions for disputing errors on your credit report.

NSLS Consumer Debt Legal Assistance Project provides legal assistance to persons who are experiencing consumer debt problems, especially in matters of medical and credit card debt. Nassau residents can call (516) 292-8100 and Suffolk residents can call (631) 232-2400 to be screened for assistance.