TX SB1000

Prohibits consumer reporting agencies from including medically necessary debt on consumer credit reports, regardless of when the debt was incurred

Defines "medically necessary debt" as debt arising from health care services to diagnose or treat illness, injury, condition, or disease meeting accepted medical standards, or to prevent illness or detect it early through preventative screenings, vaccines, and tests

Amends Section 20.05 of the Texas Business & Commerce Code, which already restricts reporting of certain items like bankruptcies older than 10 years, judgments older than 7 years, and certain out-of-network medical collection accounts

Applies only to consumer reports furnished on or after the effective date; reports issued before that date remain governed by prior law

Takes effect September 1, 2025