Protecting Native Americans’ Credit Act of 2024

This bill amends the Fair Credit Reporting Act to protect Native Americans from credit report damage related to certain medical debts. It defines "Native American's medical debt" as debt from health care authorized by the Indian Health Service (IHS) or wrongly charged by the Department of Health and Human Services (HHS), including debts HHS has wrongfully billed. The bill requires credit bureaus to automatically exclude from credit reports: (1) medical debt under one year old, and (2) fully paid or settled debt previously marked as delinquent. It also creates a dispute process where Native Americans can submit proof of HHS liability to have such debts removed from their reports. The changes apply to Native Americans as defined under federal law and take effect 90 days after enactment.