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Kayce Atencio, who has been shadowed by medical debt for most of his adult life, had been unable to rent an apartment because of poor credit due to medical debt, he said. Recent reporting changes by credit rating agencies have removed many debts from consumer credit reports and lifted scores for millions, a new study finds. Rachel Woolf for KFF Health News hide caption

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Rachel Woolf for KFF Health News

Yazmin Lopez, here at home in Madison, Wis., first learned about credit scores from a personal finance book she picked up at Goodwill a few years after coming to the U.S. as a teenager. Lianne Milton for NPR hide caption

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Lianne Milton for NPR

Welcome to America! Now learn to be in debt

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Roughly 40 million Americans are likely to see their credit scores drop by 20 points or more. An equal number should go up by as much. courtneyk/Getty Images hide caption

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courtneyk/Getty Images

FICO Is About To Change Credit Scores. Here's Why It Matters

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Half of all the debt that appears on credit reports is related to medical expenses, according to the Consumer Financial Protection Bureau. PeopleImages/Getty Images hide caption

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Could Your Social Media Footprint Step On Your Credit History?

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