Credit Report Credibility Crisis - Medical Debt Will No Longer Play a Role in Calculating Mainers' Credit Scores

In June of this year, lawmakers from both sides of the aisle agreed to pass a bill preventing unpaid medical bills from affecting Mainers’ credit scores.

Although State Law currently has some restrictions on the treatment of medical debt, this new law blocks it from being included at all.

Under this legislation, “a medical creditor, debt collector or debt buyer may not report a consumer’s medical debt to a consumer reporting agency.”

According to bill sponsor Sen. Donna Bailey (D-York), 40 percent of Mainers have medical debt. She has also explained that medical credit cards “can trap patients in debt,” as they charge high interest rates — which according to the American Association of Retired Persons (AARP) exceed 25 percent APR — and “skirt consumer protection laws.”

https://www.themainewire.com/2025/09/medical-debt-will-no-longer-play-a-role-in-calculating-mainers-credit-scores/

Remember: Medical bills are too arbitrary to be a part of credit reports.