1. United States
2. Ariz.
3. Letter

I hope this message finds you well. I’m writing as your constituent to express my deep concern over the recent reinstatement of medical debt on consumer credit reports. This decision undermines the financial stability of millions of Americans who face medical emergencies through no fault of their own. Medical debt is fundamentally different from other forms of debt. It is often incurred under urgent circumstances and complicated by billing errors, insurance delays, and opaque healthcare pricing. Penalizing individuals for seeking necessary care feels both unjust and counterproductive. I urge you to consider legislative action that prohibits the inclusion of medical debt in credit scoring models. This reform would promote fairness in lending and recognize that medical hardship should not be a barrier to housing, employment, or financial mobility. Please stand with everyday Americans and support a bill that keeps medical debt out of credit reports. I would be grateful for your leadership on this issue.