{"id":4904,"date":"2025-01-13T09:09:09","date_gmt":"2025-01-13T14:09:09","guid":{"rendered":"https:\/\/advisorsmortgage.com\/?p=4904"},"modified":"2025-01-10T10:10:16","modified_gmt":"2025-01-10T15:10:16","slug":"good-news-for-credit-reporting","status":"publish","type":"post","link":"https:\/\/advisorsmortgage.com\/es\/advisors-family\/30-second-market-update\/good-news-for-credit-reporting\/","title":{"rendered":"Buenas noticias para los informes crediticios"},"content":{"rendered":"<p>El 7 de enero, la Oficina de Protecci\u00f3n Financiera del Consumidor (CFPB, por sus siglas en ingl\u00e9s) aprob\u00f3 una nueva norma que eliminar\u00e1 1,4 billones de d\u00f3lares en deudas m\u00e9dicas de los informes crediticios de alrededor de 15 millones de estadounidenses. Esta norma proh\u00edbe que las facturas m\u00e9dicas se incluyan en los informes crediticios que utilizan los prestamistas y evita que los prestamistas utilicen informaci\u00f3n m\u00e9dica al tomar decisiones crediticias. Su objetivo es proteger la privacidad de las personas y evitar que los cobradores de deudas presionen a las personas para que paguen facturas que tal vez no deban. Muchas veces, las facturas m\u00e9dicas son incorrectas o deber\u00edan haber estado cubiertas por un seguro, y la CFPB descubri\u00f3 que estas deudas no ayudan a los prestamistas a predecir si alguien puede pagar los pr\u00e9stamos.<\/p>\n<p>El director de la CFPB, Rohit Chopra, dijo: \u201cLas personas que se enferman no deber\u00edan ver alterado su futuro financiero\u201d. La norma pone fin a un sistema que permit\u00eda a los cobradores de deudas utilizar indebidamente los informes crediticios para cobrar deudas m\u00e9dicas de manera injusta.<\/p>\n<p>Las investigaciones de la CFPB muestran que las deudas m\u00e9dicas que aparecen en los informes crediticios suelen dar lugar a que se denieguen injustamente pr\u00e9stamos, incluidas hipotecas, incluso a prestatarios que pueden pagarlos. Se espera que esta norma elimine miles de millones de d\u00f3lares en facturas m\u00e9dicas de los informes crediticios, permita que 22.000 personas m\u00e1s obtengan hipotecas asequibles cada a\u00f1o y aumente las puntuaciones crediticias de los estadounidenses afectados en unos 20 puntos.<\/p>\n<p>Fuente : <a href=\"https:\/\/bit.ly\/4289WOP\">https:\/\/bit.ly\/4289WOP<\/a><\/p>","protected":false},"excerpt":{"rendered":"El 7 de enero, la Oficina de Protecci\u00f3n Financiera del Consumidor (CFPB) finaliz\u00f3 una nueva norma que borrar\u00e1 $1,490 millones en deuda m\u00e9dica de los informes crediticios de alrededor de 15 millones de estadounidenses. <span class=\"gold-text\">[&#8230;]<\/span>","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[16],"tags":[12,365,49,26,213],"class_list":["post-4904","post","type-post","status-publish","format-standard","hentry","category-30-second-market-update","tag-30-second-update","tag-housing-industry","tag-inventory","tag-mortgage-industry","tag-recession"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.7 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Good News For Credit Reporting - Advisors Mortgage Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/advisorsmortgage.com\/es\/advisors-family\/30-second-market-update\/good-news-for-credit-reporting\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Good News For Credit Reporting\" \/>\n<meta property=\"og:description\" content=\"On January 7th, the Consumer Financial Protection Bureau (CFPB) finalized a new rule that will erase $49 billion in medical debt from the credit reports of around 15 million Americans. [...]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/advisorsmortgage.com\/es\/advisors-family\/30-second-market-update\/good-news-for-credit-reporting\/\" \/>\n<meta property=\"og:site_name\" content=\"Advisors Mortgage Group\" \/>\n<meta property=\"article:published_time\" content=\"2025-01-13T14:09:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-10T15:10:16+00:00\" \/>\n<meta name=\"author\" content=\"Ryan Brogden\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jon Iacono\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minuto\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/advisorsmortgage.com\/advisors-family\/30-second-market-update\/good-news-for-credit-reporting\/\",\"url\":\"https:\/\/advisorsmortgage.com\/advisors-family\/30-second-market-update\/good-news-for-credit-reporting\/\",\"name\":\"Good News For Credit Reporting - Advisors Mortgage Group\",\"isPartOf\":{\"@id\":\"https:\/\/advisorsmortgage.com\/#website\"},\"datePublished\":\"2025-01-13T14:09:09+00:00\",\"dateModified\":\"2025-01-10T15:10:16+00:00\",\"author\":{\"@id\":\"https:\/\/advisorsmortgage.com\/#\/schema\/person\/0cefc807881bdc355e69760ad7375c9a\"},\"breadcrumb\":{\"@id\":\"https:\/\/advisorsmortgage.com\/advisors-family\/30-second-market-update\/good-news-for-credit-reporting\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/advisorsmortgage.com\/advisors-family\/30-second-market-update\/good-news-for-credit-reporting\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/advisorsmortgage.com\/advisors-family\/30-second-market-update\/good-news-for-credit-reporting\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/advisorsmortgage.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Good News For Credit Reporting\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/advisorsmortgage.com\/#website\",\"url\":\"https:\/\/advisorsmortgage.com\/\",\"name\":\"Advisors Mortgage Group\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/advisorsmortgage.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/advisorsmortgage.com\/#\/schema\/person\/0cefc807881bdc355e69760ad7375c9a\",\"name\":\"Ryan Brogden\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Good News For Credit Reporting - Advisors Mortgage Group","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/advisorsmortgage.com\/es\/advisors-family\/30-second-market-update\/good-news-for-credit-reporting\/","og_locale":"es_MX","og_type":"article","og_title":"Good News For Credit Reporting","og_description":"On January 7th, the Consumer Financial Protection Bureau (CFPB) finalized a new rule that will erase $49 billion in medical debt from the credit reports of around 15 million Americans. [...]","og_url":"https:\/\/advisorsmortgage.com\/es\/advisors-family\/30-second-market-update\/good-news-for-credit-reporting\/","og_site_name":"Advisors Mortgage Group","article_published_time":"2025-01-13T14:09:09+00:00","article_modified_time":"2025-01-10T15:10:16+00:00","author":"Ryan Brogden","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Jon Iacono","Tiempo de lectura":"1 minuto"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/advisorsmortgage.com\/advisors-family\/30-second-market-update\/good-news-for-credit-reporting\/","url":"https:\/\/advisorsmortgage.com\/advisors-family\/30-second-market-update\/good-news-for-credit-reporting\/","name":"Good News For Credit Reporting - Advisors Mortgage Group","isPartOf":{"@id":"https:\/\/advisorsmortgage.com\/#website"},"datePublished":"2025-01-13T14:09:09+00:00","dateModified":"2025-01-10T15:10:16+00:00","author":{"@id":"https:\/\/advisorsmortgage.com\/#\/schema\/person\/0cefc807881bdc355e69760ad7375c9a"},"breadcrumb":{"@id":"https:\/\/advisorsmortgage.com\/advisors-family\/30-second-market-update\/good-news-for-credit-reporting\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/advisorsmortgage.com\/advisors-family\/30-second-market-update\/good-news-for-credit-reporting\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/advisorsmortgage.com\/advisors-family\/30-second-market-update\/good-news-for-credit-reporting\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/advisorsmortgage.com\/"},{"@type":"ListItem","position":2,"name":"Good News For Credit Reporting"}]},{"@type":"WebSite","@id":"https:\/\/advisorsmortgage.com\/#website","url":"https:\/\/advisorsmortgage.com\/","name":"Advisors Mortgage Group","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/advisorsmortgage.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Person","@id":"https:\/\/advisorsmortgage.com\/#\/schema\/person\/0cefc807881bdc355e69760ad7375c9a","name":"Ryan Brogden"}]}},"_links":{"self":[{"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/posts\/4904"}],"collection":[{"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/comments?post=4904"}],"version-history":[{"count":0,"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/posts\/4904\/revisions"}],"wp:attachment":[{"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/media?parent=4904"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/categories?post=4904"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/tags?post=4904"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}