\u00abLa deuda de cobros m\u00e9dicos a menudo surge de circunstancias m\u00e9dicas imprevistas. Estos cambios son otro paso que estamos tomando juntos para ayudar a las personas en los Estados Unidos a enfocarse en su bienestar financiero y personal\u00bb, dijeron las compa\u00f1\u00edas en un comunicado conjunto. <\/p>\n
El anuncio sigue a una investigaci\u00f3n de la Oficina de Protecci\u00f3n Financiera del Consumidor que muestra que los estadounidenses acumularon $ 88 mil millones en deuda m\u00e9dica en los registros de cr\u00e9dito al consumidor a partir de junio de 2021. Es la cuenta de cr\u00e9dito de cobro de deudas m\u00e1s com\u00fan en los registros de cr\u00e9dito, dijo el CFPB.<\/div>\n
La deuda m\u00e9dica puede ser vol\u00e1til e impredecible y puede afectar negativamente <\/strong>afectan a muchos consumidores econ\u00f3micamente seguros. Los consumidores negros, hispanos, j\u00f3venes y de bajos ingresos tienen m\u00e1s probabilidades de verse afectados por la deuda m\u00e9dica, dijo la oficina. <\/p>\n\n
Las preocupaciones sobre la deuda m\u00e9dica han aumentado desde que la pandemia de Covid-19 hospitaliz\u00f3 a millones de personas, y el director de CFBP, Rohit Chopra, ha criticado p\u00fablicamente el cobro de deudas m\u00e9dicas por parte de las agencias de informes crediticios. El 1 de marzo, Chopra dijo que el CFPD \u00abexaminar\u00e1 de cerca\u00bb a las tres grandes agencias de informes crediticios. <\/div>\n
\u00abEsperamos que tomen en serio su papel como actores principales en el sistema de informaci\u00f3n crediticia, un sistema cuya integridad y precisi\u00f3n pueden determinar el futuro financiero de cientos de millones de personas\u00bb, dijo Chopra. <\/p>\n
A partir del 1 de julio, la deuda de cobranza m\u00e9dica pagada ya no se incluir\u00e1 en los informes crediticios del consumidor. Millones de estadounidenses ten\u00edan puntajes de cr\u00e9dito previamente reducidos porque las deudas pagadas despu\u00e9s de enviarse a cobranza pod\u00edan aparecer en los informes de cr\u00e9dito por hasta siete a\u00f1os. <\/p>\n
Se esperan m\u00e1s cambios. Ahora pasar\u00e1 un mes antes de que la deuda de cobranza m\u00e9dica no pagada aparezca en el informe del consumidor, en lugar de los seis meses que era el est\u00e1ndar anterior.<\/p>\n
Las tres compa\u00f1\u00edas tambi\u00e9n dijeron que a partir de la primera mitad de 2023, la deuda de cobranza m\u00e9dica de menos de $500 ya no se incluir\u00e1 en los informes de cr\u00e9dito.<\/p>\n<\/div>\n<\/div>\n<\/div>\n
Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"equifax (efectos), Experian (EXPGF) y transunion (TRU) eliminar\u00e1 miles de millones de d\u00f3lares de las cuentas de los consumidores que enfrentaron facturas m\u00e9dicas inesperadas que no pudieron pagar. Las tres empresas dijeron que dieron el paso despu\u00e9s de meses de investigaci\u00f3n. \u00abLa deuda de cobros m\u00e9dicos a menudo surge de circunstancias m\u00e9dicas imprevistas. Estos cambios […]<\/p>\n","protected":false},"author":1,"featured_media":66315,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[13,1],"tags":[],"class_list":{"0":"post-66314","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-internacional","8":"category-portada"},"yoast_head":"\n
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