Medical debt will continue to impact credit scores after a federal judge blocked a Biden-era rule designed to erase it from credit reports. The rule aimed to improve credit scores and expand access to home loans and credit cards.A federal judge struck down the rule, which would have erased medical bills from credit reports and prevented lenders from using medical history to deny loans. This decision does not mean anyone owes additional money, but it does mean medical debt will be factored into credit scores, potentially making it more expensive or harder to buy a house, a car, or even get a credit card.The Trump-appointed judge said the Consumer Financial Protection Bureau overstepped its authority. The rule, finalized earlier this year but not yet in effect, was projected to remove nearly $50 billion in medical debt for nearly 15 million Americans, boosting credit scores by 20 points.Advocates say medical debt doesn't reflect someone's ability to repay a loan. However, the court and industry groups argue the rule left lenders with incomplete credit data.The three major credit bureaus — Equifax, Experian, and TransUnion — had already agreed to remove medical debts under $500 from credit reports, but larger debts remain.Get the Facts and more below: