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The 100 million Americans currently carrying medical or dental debt could get some relief, after the Consumer Financial Protection Bureau took steps to prohibit credit agencies from including that debt on credit reports. As Julia Char Gilbert - Connelly policy advocate with the Colorado Center on Law and Policy - explained, bad credit scores due to medical debt can create big problems. "Families are increasingly facing barriers to accessing rental housing, a credit card, certain forms of employment," said Gilbert, "all because that medical bill is showing up on their credit report." The CFPB proposal begins a rule-making process that will include a call for public comments. " .