Relating to the reporting of certain information regarding medically necessary debt on a consumer report.

SB 1000 prohibits credit reporting agencies from including medically necessary medical debt in consumer credit reports, regardless of how old the debt is. It defines "medically necessary debt" as costs for health care services that diagnose, treat, or prevent illness or injury, including emergency care, preventative screenings, vaccines, and tests. The law applies only to credit reports issued on or after September 1, 2025, meaning older reports remain unaffected. This directly impacts consumers with such medical debt and credit bureaus that compile credit reports.