How Medical Debt Affects Your FICO Score in 2026

In this episode of The Credit Score Podcast, Lucas and Luna explore the evolving relationship between medical debt and FICO scores in 2026. They break down the recent changes—like the removal of paid medical collections and the new 12-month grace period for unpaid medical bills—and explain how these updates affect millions of Americans. Using real data from the Consumer Financial Protection Bureau, they show how medical debt differs from other types of debt on your credit report and offer practical steps to minimize the impact. This episode is essential listening for anyone who has ever received an unexpected hospital bill and worried about their credit score. #MedicalDebt #FICO #CreditScore #CreditReports #ConsumerFinance #CFPB #CreditBureau #PersonalFinance #Finance #CreditEducation #MedicalBills #DebtCollection #FinancialWellness #LucasAndLuna #FexingoBusiness #BusinessPodcast #FinancePodcast #CreditScorePodcast Keep every episode free: buymeacoffee.com/fexingo