Medical Debt & Credit Reports in Colorado
State ban recorded. Colorado has a medical-debt credit-reporting ban recorded from 2023. HB 23-1126 (effective August 7, 2023) prohibits inclusion of medical debt on credit reports for Colorado residents regardless of amount. Sunsets July 2028 unless renewed; ACA sued challenging the law (November 2025) on FCRA preemption grounds; CDIA v. Paxton (August 2026) strengthens that argument.
Last updated: October 23, 2026
Colorado status
- Protection status
- State ban recorded
- Law year
- 2023
HB 23-1126 (effective August 7, 2023) prohibits inclusion of medical debt on credit reports for Colorado residents regardless of amount. Sunsets July 2028 unless renewed; ACA sued challenging the law (November 2025) on FCRA preemption grounds; CDIA v. Paxton (August 2026) strengthens that argument.
Will this medical debt show?
Open the checker with Colorado selected, then enter the amount, payment status, and months delinquent.
CHECK A DEBT IN CO →Why the state protection is contested
CDIA v. Paxton, 2026 WL 2322668 (W.D. Tex. Aug. 10, 2026), held that the FCRA preempted a state medical-debt reporting ban. A CFPB interpretive rule published October 28, 2025 also supports preemption. Whether Colorado's protection is enforceable may be litigated, although credit bureaus may still honor it voluntarily.
The federal floor for Colorado residents
These nationwide bureau policies apply before the checker reaches the state layer. They protect residents even when no separate statewide ban appears in the reviewed data.
What residents can check next
- Get all three reports. Use AnnualCreditReport.com and note which bureau, if any, displays the account.
- Compare the entry with your records. Check whether it is paid, below $500, still inside the 12-month grace period, or covered by the state record above.
- Dispute inaccurate reporting separately. Send the relevant documents to each bureau displaying the item and preserve its response.
- Ask the provider about charity care. Request the written financial-assistance policy and keep any application or decision with the billing records.