The nation’s three leading credit reporting agencies have agreed to wait 180 days before reporting medical debt on a consumer’s credit report and to remove the debt from the report after it’s paid by insurance, New York Attorney General Eric Schneiderman announced this week. The national action is part of a settlement that will require the agencies – Equifax, Experian and TransUnion – to implement a number of consumer protections. Medical debts often result from insurance coverage delays or disputes, and may not accurately reflect consumers’ creditworthiness, the settlement notes. For more on the changes, visit