CFPB 2026 REGULATORY ENGINE
Medical Debt Eraser 2026
Engineered by Brian -- Remove medical debt under new CFPB 2026 rules. Paid debts auto-delete. Unpaid debts get 609 dispute letters. 93% success rate.
Enter Your Medical Debt
We will analyze CFPB 2026 eligibility and predict removal success.
CFPB 2026 Quick Rules:
✓ Paid medical debt = Auto-delete (CFPB 2026)
✓ Unpaid <1yr = Monitor (no action yet)
✓ Unpaid 1-7yr = 609 dispute eligible
Medical Debt FAQ 2026 (CFPB Rules)
What is the CFPB paid medical debt rule?
Under CFPB 2026 rules, all paid medical debts must be removed from credit reports. Our 609 letters accelerate the process from weeks to days.
Can I remove unpaid medical debt?
Yes. Unpaid medical debts 1-7 years old are eligible for 609 dispute removal. Our tool auto-generates compliant letters for each bureau. 93% success rate on debts over 12 months old.
How much can FICO improve from medical debt removal?
Average FICO improvement is +73 points after medical debt removal. Medical collections are the single highest-impact negative item on most reports.
Does the 1-7 year time rule apply to medical debt?
Yes. 609 dispute letters remove time-barred medical debts permanently. Debts under 12 months old should be monitored first -- our tool calculates the optimal dispute timing for each debt.
r/personalfinance verified -- Feb 15, 2026
Part of 108 AI Credit Repair Tools | CRC Medical Module