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Medical debt can damage your credit report—even when you did everything right. In this video, Satra Taylor explains how medical bills end up on your credit report, what the law is supposed to do to protect you, and what steps you can take so your credit score isn’t punished simply because you got sick. You’ll learn how medical bills move from providers to collections, how credit bureaus treat medical debt, and why errors and delays in the system often hurt patients instead of insurers. The video also breaks down recent changes in medical debt reporting, why protections vary by state, and what options you have when medical debt appears on your credit report. This step-by-step guide covers: •How medical debt gets reported to credit bureaus •What protections exist under federal and state law •When to dispute medical debt on your credit report •When waiting or monitoring may be the better option •How negotiating or settlement can affect your credit This video is part of AFT’s Fight for Affordability series, which explains how financial systems are stacked against working people—and how to fight back with clear, practical tools. 👉 Get more affordability resources and support: https://www.aft.org/fight-for-afforda... #FightForAffordability #MedicalDebt #CreditReport #CreditScore #KnowYourRights #WorkersDeserveAffordability #AFT