Vantage Score is changing the way they calculate credit scores. Starting from July 2022, individuals who have medical debts that were fully paid would no longer see those items on their credit reports.

The bigger change comes in January 2023, where medical debts under $500 will also no longer appear on credit reports. This can be a big deal for many individuals who had these small balances. Additionally, Vantage Score will no longer use medical debt numbers in the calculation of credit scores.