Blog Post Title One

Written By Rubbie Groves-Clay

3 Big Credit Report Changes You Need to Know About in 2025

Here’s what’s changing—and how it could affect you.

Big changes are coming to how your credit is reported and scored, starting in March 2025. These updates could impact your ability to get a home loan, car loan, or even a business loan.

The Consumer Financial Protection Bureau (CFPB), under the Trump administration, is introducing new rules that will affect millions of people. Some will see their credit scores go up, while others might have a harder time getting approved.

Let’s break it all down in simple terms—and tell you what you can do to stay ahead.

1. Medical Debt Will No Longer Hurt Your Credit

Starting March 17, 2025, medical debt will be removed from all credit reports.

That means if you have medical bills in collections, they will no longer lower your score.

What this means for you:

  • Lenders can’t consider medical debt when making loan decisions.

  • Credit bureaus have to remove medical debt from your report.

  • Many people will see their credit score go up—possibly by 20 points or more.

✅ What to do:
After March 17, check your credit report to make sure any medical collections are gone.

2. Credit Scores Will Be Calculated Differently

Later in 2025, credit scoring is getting an upgrade.

Here’s what’s changing:

  • Lenders will start using new credit scoring models, not just FICO.

  • They’ll only use two credit reports instead of all three (called a bi-merge).

  • Different lenders might now see different versions of your credit score.

This means your score could look different depending on which lender is pulling it.

✅ What to do:
Keep an eye on your credit across all three bureaus—Experian, Equifax, and TransUnion—so you’re not surprised.

3. AI and Alternative Data Are Changing the Game

Lenders are now using more than just your credit cards and loans to judge your creditworthiness.

They’re looking at:

  • Rent and utility payments

  • Job history and income

  • Your spending habits (yes—even your phone bill or subscriptions)

This is great news if you’ve been responsible with your bills but don’t have a long credit history.

✅ What to do:
Use tools like Experian Boost to add your rent and utility payments to your credit file.

How to Prepare for the 2025 Credit Changes

These changes can either help or hurt you—it all depends on how ready you are.

Here’s what to do now:

  • Check your credit reports to make sure everything is accurate.

  • Watch your score regularly using free tools like Credit Karma or Experian.

  • Make every payment on time—they matter more than ever.

  • Add your rent, utilities, and subscriptions to your credit report if possible.

Final Thoughts: Will These Changes Help or Hurt You?

If you’re already working on your credit and making smart money choices, these changes could be a blessing. You might finally get the score you deserve.

But if you ignore your credit or fall behind, it might get harder to qualify for loans in this new system.

The good news? You’re in control.
Stay informed, stay consistent, and stay on top of your finances—and you’ll be just fine.

Rubbie Groves-Clay
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