People who pay recent medical debt could get credit for it on their credit reports. Credit bureaus and credit score companies would have to use that positive information in fair ways.
Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
Reporting Medical Debt Payments as Positive Consumer Credit Information Act of 2024 is a House bill in Congress.
Who this affects: This bill mainly affects people who have medical debt and are paying it off or already resolved it. It could also affect medical debt owners, credit bureaus, credit score companies, lenders, landlords, and others who use credit reports or credit scores.
Why this matters: Medical debt can affect credit, and this bill would let some paid or well-managed medical debt help instead of only harm. That could matter when someone applies for a loan, apartment, credit card, or other service that checks credit. The size of the benefit is uncertain. It would depend on who reports the data and how credit score companies use it.
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
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Officially: Reporting Medical Debt Payments as Positive Consumer Credit Information Act of 2024
People who pay recent medical debt could get credit for it on their credit reports. Credit bureaus and credit score companies would have to use that positive information in fair ways.
Use this page to support, oppose, or ask Congress to amend HR9890. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in House Committee
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
Enter your ZIP to see how your senators and member of Congress have voted, sponsored, or spoken on this bill.
Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
House Floor Vote
Voted on by House
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your House representative when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to Reporting Medical Debt Payments as Positive Consumer Credit Information Act of 2024, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (introduced), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around HR9890, your stance, and the reasons you choose, then lets you edit and send when ready.
