Trump restoring medical debt to credit reporting could "wreck credit for millions"

[Miles Archer]

I say this almost daily...if this move could "wreck credit for millions," it would make Trump smile, because he's NOT just going after Comey and his high-profile "enemies."

He wants to "punish" as many Americans as possible for electing Biden in 2020.

‘Trying to actively harm you’: Attorney warns Trump move could wreck credit for millions

https://www.rawstory.com/trump-2674238860/

An attorney specializing in consumer protection is sounding the alarm as the Trump administration prepares to enact a new policy that could tank credit ratings for millions of Americans.

A total of 15 states currently have laws that limit medical debt from impacting individuals' credit scores, laws that were enacted under the Biden administration, which in early 2025 issued a new rule that would have removed all medical debt from credit reports, eliminating an estimated $49 billion in unpaid medical bills from credit reports.

However, the Trump administration is set to issue guidance Tuesday that would roll back the Biden administration’s efforts by prohibiting states from withholding individuals’ medical debt from credit reporting, The Lever reported Monday, a move that could “harm” millions of Americans, according to Chi Chi Wu, an attorney with the National Consumer Law Center.

ALSO READ: There's one key issue on which Dems can effectively hold GOP feet to the fire — now

“[The Trump administration’s new guidance is] trying to invalidate [state] protections that don’t cost anything to anyone,” Wu said, speaking with The Lever. “It’s not just taking a hands-off approach and saying, ‘we won’t protect consumers,’ it’s saying, ‘we are going to actively harm you.’”

[BlueWaveNeverEnd]

1. Why???

[Miles Archer]

3. To punish America for electing Biden in 2020

Going after Comey and Leticia James isn't enough for him. And, I'm sure what appeals to him most about harming millions of Americans with this is that most of them are not in a position to fight back. Bullies love that.

[maxrandb]

11. Let's allow Doc Holiday to explain

Last edited Tue Oct 28, 2025, 10:45 AM - Edit history (2)

Doc: "he's got a great empty hole, right through the middle of him. He can never kill enough, or steal enough, or inflict enough pain to ever fill it."

Wyatt: "what does he need"?

Doc: "revenge"

Wyatt: "for what?"

Doc: "being born".

?si=36lZUw4v4mTFlobm

[GoodRaisin]

30. Because he loves hurting people.

[FarPoint]

2. I image this is the only way he can climax now...

Striking out at anyone who needs help/ support / stability and feeling of self worth.....His cutting off that support gives him a huge thrill. He feels a false sense of power.... abusive behavior at it's best.

[Irish_Dem]

5. Yes this is the essence of sadism, power, control, violence, destruction all feel good.

Turns on the sadist.

[allegorical oracle]

23. He must be one for Psych manuals. Will be using him as topic for classes.

[Irish_Dem]

24. Yes he is a walking Diagnostic Manual.

[Irish_Dem]

4. Bankrupt and starve as many Americans as possible.

True presidential leadership in action.

[Miles Archer]

7. LONG before he "got into politics"...

...I found it extremely disturbing that all of his ghost-written books included lengthy passages or full chapters on the importance of "revenge," specifically "striking back 10 times harder."

Napoleon Hill's "Think And Grow Rich" ... published in 1937...was the first major, mass-market "self help / business success" book.

He presented the idea of "Sex Transmutation / Sex Energy." Essentially, re-direct the energy from a primal urge that exists in everyone into business success, projects, etc.

Trump re-directs his energy into seeking revenge, hurting and intimidating people. He constantly shows himself to be beyond "needy," in constant need of reinforcement and praise for "accomplishments" that sometimes exist only in his mind. And, because he never gets enough, the "energy" is re-purposed into hurting people, which makes him feel as good about himself as he's likely to feel.

Napoleon Hill viewed "sex energy" as the most powerful creative force, which he called the "Law of Sex Transmutation"
. He taught that this energy, when not used for physical expression, could be consciously redirected or "transmuted" into creative, intellectual, and professional pursuits, leading to great success, often after the age of 40. This process requires self-discipline to control sexual impulses and channel them into goals through activities like creative projects, work, and visualization.

[Irish_Dem]

8. Sadism is a personality trait characterized by the enjoyment of inflicting pain, suffering, or humiliation on others.

It is a form of cruelty that can manifest in various ways, including physical violence, psychological abuse, and sexual sadism.

[Miles Archer]

9. And the MAGAts revel in Trump's sadism, vicariously

I think it's safe to say that most MAGAts know that, in the "big picture," they HAVE no power.

They're not respected, they're not admired, they're not taken seriously. They are on the fringes of society because they belong there. Their hate, racism, paranoia, resentment...average Americans are repulsed by that and want to distance themselves from it as much as possible.

So when the MAGAts see Trump hurting someone, especially if it's people they have been trained to hate and fear, they get the warm fuzzies.

[Irish_Dem]

10. Yes the MAGA cult loves Trump's sadism.

Greatest moral collapse in US history.

[ProudMNDemocrat]

12. What the MAGA cult does not understand is...

that THEY too are likely among the millions who have Medical Debt as well and that their credit ratings will be affected.

The trouble with MAGAts is that there are too many of them unable to THINK for themselves.

[Irish_Dem]

13. These are the people who willingly sacrifice their own children for the MAGA cause.

Leading cause of death for American children is gun violence.
And now they won't get their kids vaxxed to prevent horrible diseases.

So there is no hope for such people.

[durablend]

22. And when it happens

They'll be blaming Democrats for it.

[ProudMNDemocrat]

25. Then the definition of a CULT is made all the more clear.

[Rebl2]

19. They like

it until it effects them. Then they start all the whining.

[Irish_Dem]

20. Right they are the real snowflakes.

They are cowards.

[Gum Logger]

21. No news here. Grump is a wast of flesh

[no_hypocrisy]

6. By denying the subsidies underwriting the Affordable Care Act:

1. A substantial number of Americans become sick, disabled, and die.

2. Those who try to pay for their medical care without the means will now go bankrupt as medical debt will be included on their credit scores.

[Miles Archer]

15. I posted something here yesterday about Mike Johnson's endgame...

...basically the fact that Republicans hate the idea of Americans receiving healthcare, and letting the tax credits expire would collapse the system. THEN...if they ever stepped up and offered an alternative, their big business cronies in the healthcare industry would all get a "taste."

[dalton99a]

14. And crickets from Democrats.

Yeah, the list of outrages is a mile long, but WTF

[leftstreet]

16. Maybe it'll become a campaign issue

Going from Medicare For All to No Medical Debt Bankruptcy

yikes

[Botany]

17. This will kill my credit.

I am going to pay it but almost dying was very expensive.

[Miles Archer]

27. It killed mine, so I'm feeling yours.

1). Had COLORADO Medicaid.
2). Had a SEVERE panic attack here in South Carolina. DID NOT KNOW it was NOT a HEART ATTACK.
3). Went to the E.R. (it WAS a panic attack, just a really hellacious and debilitating one).
4). CALLED COLORADO. They said "If you legitimately thought your life was in danger, we WILL pay the bill, they just need to submit it to us.
5). Told the hospital that. They basically said "No, we'd rather you just pay us the $1250."
6). Made three other attempts to get them to send in the single-page form that would have gotten them paid.
7). They reported it to the credit bureaus.
8). It got sold and re-sold to THREE DIFFERENT "junk debt" buyers, each time going on the report as A NEW CHARGE.
9). I no longer have a FICO score because the hospital refused to fill out a single-page form that would have paid them every penny.

[JohnnyRingo]

18. The banking industry is not going to like this one.

In case he doesn't know, they make money by carrying a debt for ordinary citizens. If they have to deny a card to someone who beat cancer it hurts the bottom line.

[leftstreet]

28. +1 Why aren't they screeching at DC?

Same with SNAP EBT cuts. Grocery conglomerates will lose gazillions in revenue. Walmart and Krogers should be protesting in DC

Do all corporations just expect a bailout now?

[JohnnyRingo]

32. They'll write it off their taxes I suppose.

Beats making charitable donations. I'm puzzled by the wall of white noise as well.

[Mosby]

33. Low scores means higher interest rates.

That why the FICO score game exists in the first place.

I had a finance guy at a dealership tell me that putting more down on a vehicle raises the interest rate offered. It's all a scam.

[The Madcap]

26. Both self-harm and crime are going to rise.

Desperation will set in and lead to some really bad outcomes for many Americans who have been barely hanging on.

[Miles Archer]

29. I said that yesterday about SNAP.

It's just human nature, "desperate times call for desperate measures."

When people are on SNAP for a while, they become accustomed to it, like any other routine. There may be SOME people who have a fall-back "contingency" plan, but a lot of them are living month-to-month. Yank the rug out from under them and everybody's going to have a different response. Not every response will be rational and pro-active. But Republicans don't care, because they have been VEHEMENTLY OPPOSED to poor people receiving food assistance and healthcare for DECADES, and this was their moment to strike. So, they did. They're happy Musk and Bezos and Thiel and Zuckerberg got their tax cuts, and don't really care about what they did to make it happen.

[Ilsa]

31. He's a truly hateful person, one of the worst on the planet.

"He wants to "punish" as many Americans as possible for electing Biden in 2020."

Says it all.