New York Governor Hochul has enacted four new laws, with one particularly intriguing for our perspective: medical collections will no longer be included in consumers' credit reports (legislation s.4907a/a.6275a). Recent changes have already affected how medical debt is reported, such as no longer reporting debts under $500 nationwide and excluding debts over $500 for a year. It's crucial to differentiate medical debt from other debts since it is often unforeseen and unavoidable.
Additionally, New York has implemented a 90-day grace period for consumers to redeem credit card rewards. Stay informed about these updates.
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