How Medical Debt Credit Report Changes Affect Credit Repair Businesses in 2025

Medical debt has long been one of the most common and frustrating types of negative information on consumer credit reports. For decades, millions of Americans have seen their credit scores drop because of unpaid medical bills, often caused by billing errors, insurance delays, or unexpected emergencies rather than financial mismanagement. As a result, this issue has challenged both consumers and credit repair businesses working to help them recover.

More recently, the credit landscape has undergone major reform. The Consumer Financial Protection Bureau (CFPB) and the three major credit bureaus—Experian, Equifax, and TransUnion—have made sweeping changes to how medical debt credit report data is handled. Specifically, these reforms aim to improve fairness, accuracy, and transparency while reducing the long-term impact of medical debt.

Beginning between 2022 and 2023, the bureaus removed paid medical collections, eliminated debts under $500, and extended the waiting period before unpaid medical bills could appear on reports. However,  since then, by 2025, these updates have reached a critical point, forcing credit repair businesses to rethink their dispute strategies, compliance processes, and client education methods.

Consequently, this evolving regulatory environment reshapes how credit professionals operate. It directly impacts dispute priorities, workflow design, and how teams coach clients on financial recovery. At the same time, these adjustments require companies to stay informed about federal and state rules, especially the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA).

As the industry continues to evolve, credit repair professionals must do more than adapt—they must anticipate change. After all, these reforms redefine not only what appears in a credit report but also how businesses educate clients and maintain compliance.

In this blog, we will explore how Medical Debt Credit Report Changes 2025 affect the credit repair industry, how they reshape compliance and dispute strategies, and why credit repair business education is more important than ever.

l. The Evolution of Medical Debt on Credit Reports

The reform of medical debt credit report policies between 2022 and 2025 marks one of the biggest shifts in credit reporting history. For decades, medical debt was treated like credit card or loan debt, even though most cases stemmed from emergencies, insurance delays, or billing errors—not poor money management. As a result, this unfair practice hurt millions of consumers and created significant challenges for credit repair businesses trying to restore their clients’ credit health.

In response, in recent years, lawmakers, regulators, and the three major credit bureaus—Experian, Equifax, and TransUnion—have worked closely with the Consumer Financial Protection Bureau (CFPB) to reform how medical debt credit report data is handled. Specifically, their goal has been to improve fairness, accuracy, and transparency while reducing the long-term harm caused by medical debt. Consequently, these reforms have changed how medical information appears on credit reports and how credit repair businesses approach disputes, compliance, and education.

Timeline of Major Reforms (2022–2025) 

The shift began in 2022 when the CFPB and credit bureaus announced a series of major reforms to medical debt reporting. These changes were phased in gradually to ease the transition for consumers and businesses alike. 

• March 2022: Paid medical collections were permanently removed from credit reports. 
• July 2022: The waiting period before unpaid medical collections could appear was extended from six months to one year. 
• March 2023: All medical collections under $500 were excluded from credit reports. 
• 2024–2025: The CFPB began reviewing whether medical debt should appear on credit reports at all, opening discussions about a possible national ban. 

These milestones marked a shift from punitive credit reporting toward a more accurate reflection of financial responsibility. For credit repair professionals, this timeline requires quick adaptation of dispute strategies and client communication processes. 

Key Bureaus’ Decisions and Their Impact

Each reform directly changed how medical bills on credit reports are displayed and disputed. While the volume of medical-related disputes has dropped, the need for compliance oversight and staff training has increased. 

• Paid Medical Debts Removed: Previously, paid medical debts could linger for up to seven years. Now, once they are paid in full, they no longer appear—requiring credit repair companies to verify payment status before disputing. 

• Extended Reporting Time: The longer waiting period gives consumers time to resolve insurance or billing issues before accounts hit collections. For credit repair businesses, this creates opportunities to educate clients early and prevent disputes altogether. 

• Elimination of Debts Under $500: Since 2023, smaller debts have been permanently excluded, reducing clutter and unnecessary disputes while allowing teams to focus on higher-impact items. 

Together, these updates have reduced the number of medical accounts seen on credit reports but increased the complexity of identifying valid disputes. 

ll. 2025 CFPB Updates and the Discussion on a Complete Ban 

By 2025, the CFPB strengthened its stance that medical debt should not determine creditworthiness. The Bureau continues to advocate for a full ban on including medical bills in credit reports, arguing that such debts often arise from uncontrollable circumstances like illness or emergencies. 

In January 2025, the CFPB finalized a rule to bar medical bills from credit reports and credit decisions, but a federal court vacated the rule on July 11, 2025. As a result, the rule is not in effect., credit repair businesses must prepare a reporting system that could soon exclude medical debt completely. This means shifting focus toward other key credit factors—such as utilization, payment history, and charge-offs—while helping clients understand how medical debt once influenced credit scoring. 

How These Changes Reshape Credit Repair Operations 

• The evolving medical debt credit report environment requires deeper audit processes and improved client education. Fewer medical collections appear on credit reports, but not all medical-related obligations have disappeared. Some debts handled by third-party collectors outside the medical billing system may still surface, and businesses must help clients understand that distinction. 
• To stay competitive and compliant, credit repair companies should: 
• Update dispute templates and workflows to align with 2025 rules. 
• Train staff to recognize valid versus invalid medical collections. 
• Use automation tools like ScoreCEO to track compliance updates and confirm dispute eligibility. 
• These measures ensure that businesses not only remain legally compliant but also deliver accurate, transparent service in a changing marketplace. 

The evolution of medical debt credit report policies between 2022 and 2025 represents more than a regulatory shift—it is the start of a new era in credit repair. As the CFPB pushes fairer credit practices, credit repair professionals must evolve with these changes to stay compliant, credible, and client focused. The next section explores what the current reporting environment looks like in 2025 and what every professional must know to navigate it effectively. 

III. Understanding the 2025 Medical Debt Reporting Environment 

By 2025, the medical debt credit report landscape has reached a defining moment. Years of reform have created tighter consumer protections, ongoing legal debates, and stricter compliance expectations. The Consumer Financial Protection Bureau (CFPB) continues to challenge medical debt reporting, arguing that it often misrepresents financial responsibility and contains inaccuracies. 

For credit repair businesses, understanding this environment is now crucial. Specifically, these changes shape dispute strategies, compliance procedures, and how teams educate clients. Moreover, the rules governing medical bills on credit reports are no longer straightforward—they vary depending on how the debt is classified, who reports it, and which laws apply. Therefore, to remain competitive, professionals must stay informed and proactive.

The Current Credit Reporting Environment in 2025 

Today’s credit reporting environment is defined by transition. Most medical collections have already been removed from reports, but the CFPB is pursuing a nationwide rule that would ban them entirely. Some industry groups, however, argue that removing all medical debt could distort credit risk models. 

Until a final decision is made, Experian, Equifax, and TransUnion continue to apply voluntary measures introduced in 2022–2023: 

• Excluding paid medical collections. 
• Removing medical debts under $500. 
• Extending the waiting period before unpaid debts appear to one year. 

Despite these reforms, complexity remains. Certain debts—especially those transferred to third-party collectors—may still appear under specific conditions. Credit repair professionals must review every credit file carefully to determine compliance and dispute eligibility. 

Can Medical Bills Go on Your Credit Report Under New Laws? 

A common question is: Can medical bills go on your credit report in 2025?
Yes—unpaid medical collections over $500 may appear after a 1-year waiting period. Paid medical collections and those under $500 should not appear under current bureau policies. 

Most medical debt credit report entries no longer appear. Yet, unpaid bills may still surface if they have been sold to non-medical collection agencies that report them under a general debt category. In such cases, the debt technically complies with reporting laws, even though it began as a medical obligation. 

For this reason, credit repair professionals must verify every detail before disputing. Proper classification determines whether the entry qualifies for removal. 

Conditions Under Which Medical Debt Can Still Appear 

Although most medical collections are excluded, a few exceptions remain: 

• Reclassified Debts: Accounts sold to third-party collectors and reported as standard debts. 
• Court Judgments: Unpaid hospital charges converted into legal judgments may appear as public records. 
• Non-Medical Fees: Administrative or service charges linked to medical care, such as parking or billing fees. 
• Mixed Accounts: Combined medical and non-medical services financed through external lenders. 

Recognizing these distinctions prevents false disputes and ensures compliance with the Fair Credit Reporting Act (FCRA) 

Regulatory Bodies Involved in Oversight 

Multiple agencies oversee credit reporting and compliance in 2025: 

• CFPB: Regulates medical debt reporting and investigates violations. 
• FCRA: Ensures all credit information is accurate and verifiable. Both CFPB and FTC enforce FCRA. 
• CROA (Credit Repair Organizations Act): Enforced by the FTC and state attorneys general; governs how credit repair companies advertise, operate, and handle disputes. 

Together, these regulations set clear boundaries for how credit repair companies must handle medical debt. Understanding these rules is essential for maintaining both legal compliance and client trust. 

Compliance Insights for Credit Repair Business Education 

With stricter standards, credit repair business education has never been more important. Every team member should know how to identify valid and invalid medical debt entries. 

Key compliance practices include: 

• Confirming debts meet reporting thresholds and time limits. 
• Checking whether a debt is paid, under $500, or misclassified as non-medical. 
• Keeping records of disputes and communications for accountability. 

Regular training and technology-driven oversight ensure accuracy, transparency, and long-term compliance—critical advantages in today’s complex regulatory climate. 

The 2025 medical debt credit report environment remains complex yet full of opportunity for well-informed professionals. While reforms have reduced unfair reporting, exceptions still exist that demand precision and compliance. Next, we will explore how these regulations directly influence credit repair operations—and how businesses can confidently adapt under FCRA, CROA, and CFPB oversight.

lV. Legal and Compliance Implications for Credit Repair Businesses 

The evolving medical debt credit report policies have not only changed how data appears on credit reports but also redefined compliance expectations for credit repair businesses. In 2025, the intersection of regulation, technology, and ethics has become central to how professionals operate. Maintaining transparency and adherence to both federal and state laws is now essential to protect credibility and avoid penalties. 

Two federal laws—the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA)—form the foundation of compliance. They govern how businesses handle disputes, communicate with clients, and ensure reporting accuracy. Ignoring these laws can lead to severe legal and reputational consequences. 

FCRA and CROA Compliance in the 2025 Landscape 

Under the FCRA, disputes must be based on inaccurate, unverifiable, or outdated information. In other words, for medical debts, disputes must specifically target information that is inaccurate, incomplete, or unverified. Meanwhile, the credit bureaus’ policies (not the FCRA itself) exclude paid medical collections, collections under $500, and those under one year old. Therefore, filing disputes outside these parameters can violate the Act and ultimately weaken credibility.

In addition, the CROA regulates how credit repair organizations advertise and conduct services. It prohibits misleading claims, collecting payments before delivering results, and promising score improvements that cannot be guaranteed. As a result, in 2025, this law is particularly relevant as professionals explain to clients what medical bills on credit reports can—and cannot—be disputed.

Taken together, under both laws, continuous credit repair business education is crucial. By prioritizing regular staff training on compliance, businesses ensure their teams act within legal boundaries while maintaining accuracy and integrity in every dispute.

Adapting Dispute Strategies and Compliance Frameworks 

Old methods—like disputing all medical accounts—are no longer acceptable. Today’s compliance environment demands precise, evidence-based strategies. 

To remain compliant, credit repair professionals should: 

• Verify the age, balance, and payment status of each medical debt before disputing. 

• Document all communications, verifications, and results. 

• Audit policies regularly to match CFPB, FCRA, and CROA updates. 

Standardized compliance frameworks help teams follow consistent steps when reviewing and disputing accounts. Internal audits and clear documentation practices protect both the business and its clients while strengthening trust with regulators and partners. 

The Role of ScoreCEO’s Compliance Automation 

Technology now plays a vital role in maintaining compliance. ScoreCEO’s automation tools ensure every dispute aligns with federal and state regulations by tracking account details, dispute timelines, and reporting accuracy. 

In addition, ScoreCEO’s credit repair business software audit trails provide transparent records that prove compliance during reviews or audits. Combining automation with staff education helps businesses maintain accuracy while focusing on growth and client satisfaction. 

State-Level Licensing and Documentation Requirements 

Beyond federal law, each state imposes additional compliance obligations. Because of this, many require credit repair organizations to hold a license, maintain a surety bond, and provide clients with written disclosures outlining fees, services, and cancellation rights. 

Businesses operating across multiple states must manage varying documentation retention rules and reporting timelines. Using ScoreCEO streamlines this process by offering customizable templates for contracts, disclosures, and dispute forms—ensuring every client file meets both state and federal compliance standards. 

Transparency and Ethical Client Communication

Transparency and ethics define long-term success in credit repair. Clients rely on professionals to interpret complex regulations honestly and clearly. To build trust, companies should: 

• Explain that some medical debts are no longer reportable. 
• Set realistic expectations for dispute outcomes and timeframes. 
• Avoid exaggerated promises about score improvement. 
• Keep clients updated throughout the process. 

Open, accurate communication not only reinforces compliance with the CROA and FCRA but also enhances client loyalty and brand reputation. 

Ultimately, compliance is no longer optional—it is the foundation of every credible credit repair business. As new medical debt credit reporting standards continue reshaping the industry, companies must therefore balance technology, education, and ethical practice to remain compliant. In the next section, we explore how these reforms directly impact workflows, automation, and client relationships in everyday operations.

V. The Operational Impact: What Changes Mean for Your Credit Repair Workflow 

The 2025 reforms to medical debt credit report policies have reshaped how credit repair businesses manage daily operations. These updates influence dispute handling, credit audits, automation tools, and client communication. To stay compliant and efficient, professionals must modernize their workflows and emphasize education as much as correction. 

Dispute Workflows and Validation Processes 

Before 2025, credit repair teams often disputed nearly every medical debt that appeared. Today, precision replaces volume.
Only debts that meet the new reporting criteria—over $500, unpaid, and at least one year old—should be challenged. 

To stay efficient and compliant, businesses should: 

• Add validation checkpoints to confirm each debt’s eligibility. 

• Use automation to cross-check balances, payment status, and age. 

• Keep complete records of dispute outcomes for audit trails. 

Tools like ScoreCEO help streamline these steps by flagging accounts that fail compliance checks and tracking dispute timelines. This shift ensures accuracy, reduces wasted effort, and strengthens bureau relationships. 

Client Consultations and Setting Expectations 

Clients often still believe every medical bill impacts their credit. It is now the job of the credit repair professional to reset those expectations. 

During consultations, explain that: 

• Most medical debts no longer appear on reports. 

• Only verified, reportable items can be disputed. 

• Credit improvement also depends on utilization, on-time payments, and credit mix. 

Transparent conversations create realistic timelines and reduce confusion. Educated clients are more likely to stay engaged and appreciate your ongoing guidance. 

Updating Templates, Scripts, and Automation Tools 

Every communication—emails, dispute letters, and workflows—must reflect current law. Outdated templates that reference small or paid medical debts can create compliance risks. 

To stay current, credit repair teams should: 

• Revise all dispute letters and automation triggers to follow 2025 rules. 
• Train staff to use revised scripts that accurately explain medical debt criteria. 

Consistent, compliant messaging across your organization ensures professionalism and eliminates guesswork. 

Fewer Disputes, Greater Focus on Monitoring and Rebuilding 

Although medical debt disputes have decreased, the opportunity to add value has increased. Fewer disputes mean more time to deliver higher-impact services such as: 

• Credit monitoring for early detection of new derogatory. 

• Credit rebuilding programs that strengthen payment history. 

• Educational follow-ups that teach clients long-term financial habits. 

As a result, these offerings create recurring revenue and deepen client relationships. Moreover, with automation and analytics inside ScoreCEO, businesses can track client progress, send engagement reminders, and consistently maintain transparency throughout the journey.

At the same time, the operational shift triggered by medical debt credit report reforms is redefining how credit repair teams work. Today, precision, education, and automation drive success. In the next section, we will explore how smart businesses can strategically turn these regulatory changes into long-term growth opportunities through innovation, diversification, and a compliance-driven approach.

VI. Business Strategy Shift: Turning Regulation into Opportunity

The 2025 reforms to medical debt credit report rules may have reduced dispute volume, but they have created a powerful opportunity for credit repair businesses to evolve. Fewer disputes do not mean less business—they mean smarter business. Companies that adapt by emphasizing education, compliance, and automation will position themselves as industry leaders in the years ahead. 

Fewer Disputes, Smarter Business Models 

The decline in medical debt disputes has shifted the focus from quantity to quality. Because of this, clients no longer need providers who simply remove items; they need advisors who understand compliance, regulation, and long-term credit improvement. 

Forward-thinking companies are expanding their services beyond dispute management to include financial coaching, compliance consulting, and automation-driven support. These changes allow businesses to deliver value through expertise rather than volume—building stronger client relationships and more sustainable revenue streams. 

In this new environment, credit repair professionals become educators and strategists, guiding clients toward lasting financial health instead of temporary score boosts. 

Expanding Service Offerings 

Diversifying services helps credit repair companies maintain growth and stability even as dispute volume declines. Key areas of expansion include: 

• Credit Education: Offer personalized sessions or webinars to teach clients how credit scoring works, how to manage utilization, and how to maintain positive credit behavior. 

• Debt Management Partnerships: Collaborate with financial counselors or debt management programs to help clients address broader financial challenges. 

• Financial Literacy Programs: Develop courses or online materials that explain budgeting, credit mix, and long-term money habits. 

These additional offerings demonstrate a deeper commitment to client success and position your company as a trusted, full-service financial partner. 

Evolving Credit Repair Business Education 

For businesses to deliver consistent value, education must begin internally. However, teams should be well-trained in compliance laws like the FCRA, CROA, and CFPB guidance—especially as they relate to medical bills on credit reports. 

Effective education programs include: 

• Regular workshops on medical debt regulations and compliance. 

• Case studies on proper dispute handling. 

• Interactive learning tools that reinforce long-term retention. 

Externally, credit repair companies can extend this knowledge to clients by offering mini-courses or blog content that demystifies credit repair. This approach not only enhances credibility but also creates a continuous cycle of engagement and trust. 

Leveraging ScoreCEO for Automation and Compliance 

Technology is at the heart of this strategic shift. ScoreCEO’s automation tools help businesses stay compliant, scale faster, and deliver educational value beyond disputes. 

The platform supports: 

• Campaign automation for lead nurturing, upselling, and re-engagement. 

• Audit and reporting tools that maintain transparency and accountability. 

By integrating automation, credit repair companies can spend less time on manual verification and more time building meaningful client relationships. 

Building a Compliance-Driven Growth Strategy 

To thrive under tighter regulations, credit repair companies must align their business strategies with compliance and ethics. Doing so strengthens their brand and ensures longevity. 

Key steps include: 

• Embedding compliance into every workflow. 

• Using transparent pricing and realistic marketing claims. 

• Promoting financial education alongside dispute services. 

• Regularly updating systems to match new regulations. 

Businesses that prioritize compliance and innovation gain a competitive advantage. They earn client trust, attract partnerships, and maintain credibility with regulators—turning challenges into opportunities for growth. 

The 2025 medical debt credit report reforms have pushed the credit repair industry toward a smarter, education-first business model. Companies that embrace compliance, automation, and diversification will emerge stronger and more trusted. Next, we will look ahead to the future—where medical debts may disappear from credit reports entirely—and discuss how to prepare your business for that transformation. 

VII. Future Outlook: Preparing for a No-Medical-Debt Reporting Era 

The medical debt credit report landscape continues to evolve, and the future may soon bring one of the biggest shifts yet—a complete ban on medical debt reporting. The Consumer Financial Protection Bureau (CFPB) has signaled its intent to remove medical debt from credit reports entirely, arguing that it often results from circumstances beyond a consumer’s control and does not accurately reflect financial responsibility. 

For credit repair businesses, this shift represents both a challenge and a new opportunity. While traditional dispute volume may decrease, companies that plan ahead can reposition themselves as leaders in compliance, credit education, and financial wellness. 

The Coming 2026 Scenario 

If medical debts are fully removed from credit reports, millions of medical collection accounts—representing roughly 70% of all collections—will disappear from consumer files. At its core, the CFPB’s goal is to ensure that credit decisions are based on a person’s repayment behavior, not their health-related circumstances.

For this reason, credit repair professionals must begin rethinking their strategies. Going forward, businesses should prepare to focus on other credit factors that will now carry more weight, such as payment history, credit utilization, and non-medical derogatory accounts.

Although this reform may mark the end of an era for traditional medical debt disputes, it simultaneously opens the door to more sustainable, education-driven service models.

Adapting for the Future: Key Focus Areas 

As medical debt fades from reports, credit repair companies should shift their attention to the elements that will define client success going forward. 

• Credit Utilization: Teach clients to maintain balances below 30% of their limits. This metric will play a greater role in overall scores once medical debt is removed. 

• Late Payments: Payment history will remain the most influential scoring factor. Implement systems that remind clients of due dates and track progress through automation tools. 

• Non-Medical Derogatory: Collections, charge-offs, and defaults unrelated to healthcare will continue to appear. Train teams to identify these accurately and dispute them effectively when errors arise. 

By focusing on these categories, credit repair professionals can maintain relevance and deliver measurable results even after medical debts disappear from reports. 

Implementing Proactive Credit Coaching Systems 

The future of credit repair is proactive, not reactive. Instead of focusing solely on dispute removal, businesses can expand into credit coaching—helping clients build and maintain healthy credit profiles. 

A structured coaching program may include: 

• Personalized action plans for score improvement. 

• Education on credit mix, age of accounts, and utilization ratios. 

• Regular progress tracking and accountability check-ins. 

Automation through ScoreCEO can make this transition easier. Businesses can schedule coaching sessions, send educational reminders, and track client milestones, automatically enhancing engagement while maintaining compliance. 

Using the ScoreCEO Client Portal for Education and Monitoring 

As dispute volume decreases, continuous engagement becomes essential. The ScoreCEO Client Portal helps businesses stay connected with clients by offering real-time score tracking, alerts, and educational resources. 

Clients can: 

• View their credit progress at any time. 

• Receive alerts for score changes. 

• Communicate securely with their credit repair team. 

This transparency builds trust, strengthens client relationships, and ensures long-term retention even when fewer disputes are needed. 

Staying Informed Through Ongoing Education 

In today’s evolving landscape, adapting to a no-medical-debt credit report era requires continuous learning. Because credit repair laws and compliance standards will continue to change, staying informed is critical to avoid costly mistakes.

To remain competitive and compliant, businesses should:

• Regularly follow CFPB and credit bureau updates.

• Actively participate in professional training through ScoreWay University.

• Consistently hold internal workshops on compliance and communication ethics.

By doing so, investing in credit repair business education allows companies to future-proof their operations and position themselves as industry leaders in accuracy, transparency, and professionalism.

It is also important to recognize that a no-medical-debt credit report environment is no longer hypothetical—it is approaching fast. Consequently, credit repair companies that embrace education, automation, and proactive coaching will thrive in this new era.

Finally, the final section will tie these lessons together, emphasizing how compliance, knowledge, and technology will define the next generation of successful credit repair professionals.

VIII. Conclusion: Educate, Adapt, and Lead with Compliance 

Over the past several years, the transformation of medical debt credit reporting from 2022 to 2025 has permanently reshaped the credit repair industry. What once primarily focused on high dispute volume has now evolved into a compliance-driven, education-focused landscape that rewards transparency, integrity, and innovation.

For this reason, credit repair businesses must recognize a critical truth: success now depends on mastering compliance and maintaining ongoing education. Specifically, understanding how the Fair Credit Reporting Act (FCRA), Credit Repair Organizations Act (CROA), and Consumer Financial Protection Bureau (CFPB) regulations impact medical debt reporting is no longer optional—it is essential.

As a result, credit repair professionals must continually adapt their workflows, training, and client communication to meet these standards. Furthermore, tools like ScoreCEO simplify this process by automating compliance checks, tracking dispute history, and providing the audit transparency regulators expect. Ultimately, this allows businesses to operate more efficiently while staying aligned with regulatory expectations.

Therefore, companies should strengthen their internal culture of learning. Moreover, by investing in education through resources such as ScoreWay University, teams gain the knowledge needed to interpret regulations, communicate ethically, and build lasting client relationships. In turn, this commitment supports long-term compliance and sustainable growth.

Ultimately, compliance builds credibility, and education creates leadership. Together, they form the foundation every modern credit repair business needs to thrive in today’s post-medical-debt era.

To stay ahead, join the next ScoreCEO webinar or explore ScoreWay University for in-depth compliance and credit repair training—and lead your business into the future with confidence.

References: 

• Consumer Financial Protection Bureau 

• Experian 

• Equifax 

• TransUnion 

• Fair Credit Reporting Act 

• ScoreCEO 

• You’re Leaving Money on the Table: automate More with These ScoreCEO Features 

• Education Resources ScoreCEO ScoreWayU 

• Federal Trade Commission (FTC) 

• CFPB Finalizes Rule to Remove Medical Bills from Credit Reports