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Joy

People reveal the pivotal moments that restored their faith in humanity

We need to hear these kinds of stories.

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Photo by Diego PH on Unsplash

We all need reminders of the beauty of humanity.

Looking around at the current state of affairs in the world can quickly lead to feelings of sadness or despair, especially when news media primarily focuses on the worst of humanity.

While we can't pretend that the serious problems we face don't exist, we also need to balance our perspective with reminders that people are more good than not, and that human atrocity is the exception, not the rule. We have countless examples of human beings being wonderful to one another in ways large and small, but those stories rarely make the headlines.

Part of our mission at Upworthy is to show that people are a force for good, and what better way to do that than to share people's stories of kindness, hope and faith in one another?


For all of its pitfalls, social media can be a great place to find those kinds of real-life stories, so we asked our Instagram audience to share a moment that restored their faith in humanity and people generously delivered. Here are some responses that might just restore your faith in humanity as well.

"Stuck in Thailand during the 2006 coup with my wife and our two-year-old in a carrying backpack, airline would not accept credit card to purchase last flight out of the country, ATMs were not working to get cash, after 30 minutes a random Indian man and his family stepped forward and handed us an envelope full of all the cash we needed to purchase two airline tickets from Thailand to Singapore. He did not want or expect a payback (we eventually did)." – joshinsd

"We awoke to a 5.7 earthquake in 2020 in our old historic Victorian home. The earthquake blew out our foundation. Everyone on our street was affected. My husband and I had retired. We ended up rebuilding which took almost two years with Covid and supply chain issues. Two houses down we have a lovely family with two young boys. They came up with an idea on their own to empty out their savings and insisted in giving it to us to help us. While we did not need the money, it was the gesture of sacrificing their hard earned money at such a young age, 8 and 10 that touched us deeply. With young people in our world with hearts such as this, we will see great things happening." – gmholm

"My boy wanted to play with a stick that an older girl had. She was so kind & gave him the stick. He took it, then went back to her, broke it half, & gave her half. I watched it all from the side & held back tears. Look to the children - they will show you pure kindness 🤍" – ripottsy

"I recently took my daycare littles on a library outing. One of my two year olds was looking for a Paw Patrol book. A sweet little girl (about 5 years old) overhead and dug into her book bag and gave it to the two year old. In return he offered her one of his books❤️. Such a simple, yet meaningful, act of such pure sweet innocence!" – richelleamyd

"I was wrangling my kids into their car seats for a trip to the grocery store one day. I put my wallet on the bumper of my car as I was walking from one side of my car so the other trying to get them buckled. I got in my car and left my house, totally forgetting to grab my wallet. I realized my mistake when I got to the grocery store. I retraced my route, but had no luck finding my wallet. It had cash, credit cards, gift cards, and my family’s social security cards. I basically kept all my important things in there (it was a big zip up day planner kind of wallet). I went home and just cried and cried. I was on the computer trying to figure out how to order replacement social security cards when there was a knock on my door. A very sweet man who didn’t speak English very well was standing there with my wallet. I immediately embraced him and said, “oh THANK YOU!” He was a bit taken aback and said, “oh…you sad?” I will forever be grateful that that man took time out of his day to do the honest thing. It would have been so easy for him to either ignore my wallet, or take it. I try to remember him when I see an opportunity to be honest." – julieletner

"My grandma passed, and at her funeral, I was telling a friend of hers how hard it would be to return to her home after her interment. For as long as I could remember, Grandma had waited on the front porch for me whenever I came to visit. Later that afternoon, when we did return to Grandma’s, her friend was standing on the porch waiting, just as Grandma always had. 'I didn’t want you to have to return to an empty porch after laying her to rest,' he kindly explained. His thoughtful gesture makes me tear up whenever I remember it. – lynnecook77

"I had just lost my little sister to suicide. i was in deep grief and had not eaten for a few days. i was craving a burger so i went to The Counter. sat there. cried the entire time and tried to get that burger down. apparently Two men in UPS uniforms were on their lunch break and when i asked for the bill. my server told me that those ups guys bought my lunch. i never even saw them there. it was the first time i didn’t feel completely alone during the darkest days of my grief. 💕" – clarkaosb

"I was 20+, sitting in a church and crying very hard. A very elderly woman came up, sat next to me, said it was going to be ok. She just sat there holding my hand, in silence. I could see her looking at me and well up. A moment full of love, tolerance and empathy for a total stranger. It changed me." – atirufo

"We had pizza delivered once and my 3 year old son wanted to give the delivery guy the tip. He handed it to the guy and he asked if he had a piggy bank and then he gave my son a $1 back to put in his bank ❤️" – kgwhit_

"I was sitting with my friend at Balboa Park and one of the vendors just walked over and handed us each a large slice of watermelon. It was a hot day and it was just so generous and kind." – lorimitchellart

"A man stopped his car in the middle of a very busy intersection, to get out and help a family of geese get across the street. It was a sight that my description does no justice." – christollbertson

"A few years ago I was at the vet’s office with my dog. I overheard a guy telling the vet that he couldn’t afford his dog’s surgery. The vet told him that he was not going to let his dog die and that he would perform the surgery even if he couldn’t pay him back." – norms1111

"I work at a grocery store as a cashier and one time the food stamp card system was down in NYS. People were having issues all day and everybody was getting understandably frustrated. This man was trying to pay but of course it wasn’t working. I asked him if he had another way to pay and he said no. The lady behind him handed him some cash and told him not to worry about it. She bought a week’s worth of his groceries, no big fuss made about it. Almost made me cry on a very tricky day❤️ – paytonncotter

"When we lived in Iran, we would escape to a green city (no fly zone) when the war would get really active. During one of these times, we had to drive over the mountain in the snow and fog (dead of winter) and with my Mum sick with bronchitis. When we got to the other side, my father and uncle decided to rent a hotel so Mum could rest, but we were in a random town and didn’t know what was around. Eventually, around 2.30 am, we came across what looked like a motel and went inside.

"There was one man there. He gave us a dingy, tiny room to share, looked at my Mum a couple of times, then quietly told my father to take her to hospital (this is all relayed by my Mum. I remember bits and pieces only). My uncle and dad decided to take her while my three-year-old sister and I stayed back. Once they got to hospital, doctors pulled my mum aside and asked first if she had been abused or was in danger (because of how sick she was, they thought she might have been drugged or beaten and had internal bleeding), then once she confirmed she was safe, they took her inside and started treating her. While they were there, the man sat with my sister and me and told us to go to sleep. My sister fell asleep straight away, but I couldn’t, so he sat with me and reassured me everything would be okay. He asked about school, what my favourite subject was. Normal talk during scary times.

"I fell asleep at some point, and when I woke up, my father and uncle were bringing Mum back into the room. The motel owner made a pot of hot tea and brought bread, butter, jam and cheese for us to eat. For those who don’t know, most of us could only shop with vouchers and coupons during the war (rations), so this man was literally sharing his food with us during a time when food was scarce to begin with. Around 5.00 the next evening, we went to pay that man, and he put his hand to his heart and said he couldn’t accept our payment. No matter how much my family insisted, this man refused and said he was honoured to have helped us and to please be safe on our way to the green zone. I am an Atheist, but truly believe this man to be an angel on earth. Kindness is a currency you can never forget." – lucid_nomad

If you enjoyed these stories, you'll love Upworthy's upcoming book, "GOOD PEOPLE: Stories from the Best of Humanity," which includes 101 stories of human decency, kindness and compassion. Pre-order now on Amazon.

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GOOD PEOPLE: Stores From the Best of Humanity

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3 organic recipes that feed a family of 4 for under $7 a serving

O Organics is the rare brand that provides high-quality food at affordable prices.

A woman cooking up a nice pot of pasta.

Over the past few years, rising supermarket prices have forced many families to make compromises on ingredient quality when shopping for meals. A recent study published by Supermarket News found that 41% of families with children were more likely to switch to lower-quality groceries to deal with inflation.

By comparison, 29% of people without children have switched to lower-quality groceries to cope with rising prices.

Despite the current rising costs of groceries, O Organics has enabled families to consistently enjoy high-quality, organic meals at affordable prices for nearly two decades. With a focus on great taste and health, O Organics offers an extensive range of options for budget-conscious consumers.

O Organics launched in 2005 with 150 USDA Certified Organic products but now offers over 1,500 items, from organic fresh fruits and vegetables to organic dairy and meats, organic cage-free certified eggs, organic snacks, organic baby food and more. This gives families the ability to make a broader range of recipes featuring organic ingredients than ever before.


“We believe every customer should have access to affordable, organic options that support healthy lifestyles and diverse shopping preferences,” shared Jennifer Saenz, EVP and Chief Merchandising Officer at Albertsons, one of many stores where you can find O Organics products. “Over the years, we have made organic foods more accessible by expanding O Organics to every aisle across our stores, making it possible for health and budget-conscious families to incorporate organic food into every meal.”

With some help from our friends at O Organics, Upworthy looked at the vast array of products available at our local store and created some tasty, affordable and healthy meals.

Here are 3 meals for a family of 4 that cost $7 and under, per serving. (Note: prices may vary by location and are calculated before sales tax.)

O Organic’s Tacos and Refried Beans ($6.41 Per Serving)

Few dishes can make a family rush to the dinner table quite like tacos. Here’s a healthy and affordable way to spice up your family’s Taco Tuesdays.

Prep time: 2 minutes

Cook time: 20 minutes

Total time: 22 minutes

Ingredients:

1 lb of O Organics Grass Fed Ground Beef ($7.99)

1 packet O Organics Taco Seasoning ($2.29)

O Organics Mexican-Style Cheese Blend Cheese ($4.79)

O Organics Chunky Salsa ($3.99)

O Organics Taco Shells ($4.29)

1 can of O Organics Refried Beans ($2.29)

Instructions:

1. Cook the ground beef in a skillet over medium heat until thoroughly browned; remove any excess grease.

2. Add 1 packet of taco seasoning to beef along with water [and cook as directed].

3. Add taco meat to the shell, top with cheese and salsa as desired.

4. Heat refried beans in a saucepan until cooked through, serve alongside tacos, top with cheese.

tacos, o organics, family recipesO Organics Mexican-style blend cheese.via O Organics

O Organics Hamburger Stew ($4.53 Per Serving)

Busy parents will love this recipe that allows them to prep in the morning and then serve a delicious, slow-cooked stew after work.

Prep time: 15 minutes

Cook time: 7 hours

Total time: 7 hours 15 minutes

Servings: 4

Ingredients:

1 lb of O Organics Grass Fed Ground Beef ($7.99)

1 ½ lbs O Organics Gold Potatoes ($4.49)

3 O Organics Carrots ($2.89)

1 tsp onion powder

I can O Organics Tomato Paste ($1.25)

2 cups water

1 yellow onion diced ($1.00)

1 clove garlic ($.50)

1 tsp salt

1/4 tsp pepper

2 tsp Italian seasoning or oregano

Instructions:

1. Cook the ground beef in a skillet over medium heat until thoroughly browned; remove any excess grease.

2. Transfer the cooked beef to a slow cooker with the potatoes, onions, carrots and garlic.

3. Mix the tomato paste, water, salt, pepper, onion powder and Italian seasoning in a separate bowl.

4. Drizzle the mixed sauce over the ingredients in the slow cooker and mix thoroughly.

5. Cover the slow cooker with its lid and set it on low for 7 to 8 hours, or until the potatoes are soft. Dish out into bowls and enjoy!

potatoes, o organics, hamburger stewO Organics baby gold potatoes.via O Organics


O Organics Ground Beef and Pasta Skillet ($4.32 Per Serving)

This one-pan dish is for all Italian lovers who are looking for a saucy, cheesy, and full-flavored comfort dish that takes less than 30 minutes to prepare.

Prep time: 2 minutes

Cook time: 25 minutes

Total time: 27 minutes

Servings: 4

Ingredients:

1 lb of O Organics Grass Fed Ground Beef ($7.99)

1 tbsp. olive oil

2 tsp dried basil

1 tsp garlic powder

1 can O Organics Diced Tomatoes ($2.00)

1 can O Organics Tomato Sauce ($2.29)

1 tbsp O Organics Tomato Paste ($1.25)

2 1/4 cups water

2 cups O Organics Rotini Pasta ($3.29)

1 cup O Organics Mozzarella cheese ($4.79)

Instructions:

1. Brown ground beef in a skillet, breaking it up as it cooks.

2. Sprinkle with salt, pepper and garlic powder

3. Add tomato paste, sauce and diced tomatoes to the skillet. Stir in water and bring to a light boil.

4. Add pasta to the skillet, ensuring it is well coated. Cover and cook for about 10 minutes, stirring occasionally.

5. Remove the lid, sprinkle with cheese and allow it to cool.

o organics, tomato basil pasta sauce, olive oilO Organics tomato basil pasta sauce and extra virgin olive oil.via O Organics

A young girl relaxing in an inner tube.


There’s a popular trend where parents often share they are creating “core memories” for their children on social media posts, whether it’s planning an elaborate vacation or creating an extra-special holiday moment.

While it’s important for parents to want their kids to have happy childhoods, sometimes it feels presumptuous when they believe they can manufacture a core memory. Especially when a child’s inner world is so much different than an adult's.

Carol Kim, a mother of 3 and licensed Marriage and family Therapist, known as ParentingResilience on Instagram, recently shared the “5 Things Kids Will Remember from Their Childhood” on her page. The fascinating insight is that none of the entries had to do with extravagant vacations, over-the-top birthday parties, or Christmas gifts that kids could only dream about.


According to Kim, the five things that kids will remember all revolve around their parents' presence and support. "Notice how creating good memories doesn’t require expensive toys or lavish family trips. Your presence is the most valuable present you can give to your child,” Kim wrote in the post’s description.

1. Quality time together

"Taking some time to focus only on your child is very special. Playing games, reading books, or just talking can create strong, happy memories. These moments show your child that you are present with them."

2. Words of encouragement

"Encouraging words can greatly impact your child during both good times and tough times. Kids often seek approval from their parents and your positive words can be a strong motivator and source of comfort.... It can help kids believe in themselves, giving them the confidence to take on new challenges and keep going when things get tough."

parenting, core memories, quality time

A mother and child riding a small bike.

via Gustavo Fring/Pexels

3. Family traditions

“It creates a feeling of stability and togetherness … Family traditions make children feel like they belong and are part of a larger story, deepening their sense of security and understanding of family identity and values.”

4. Acts of kindness

“Seeing and doing kind things leaves a strong impression on children. It shows them the importance of being kind and caring. They remember how good it feels to help others and to see their parents helping too.”

5. Comfort during tough times

"Knowing they can rely on you during tough times makes them feel secure and build trust. … Comforting them when they're struggling shows them they are loved no matter what, helping them feel emotionally secure and strong."

parenting, core memories, quality time

A family making a meal together.

via Elina Fairytale/Pexels

Kim’s strategies are all beautiful ways to be present in our children’s lives and to communicate our support. However, these seemingly simple behaviors can be challenging for some parents who are dealing with issues stemming from their pasts.

“If you find barriers to providing these things, it’s important to reflect on why,” Kim writes in the post. “There could be several reasons, such as parenting in isolation (we’re not meant to parent alone), feeling overstimulated, dealing with past trauma, or struggling with mental health. Recognizing these challenges is the first step to addressing them and finding support.”

Images provided by P&G

Three winners will be selected to receive $1000 donated to the charity of their choice.

True

Doing good is its own reward, but sometimes recognizing these acts of kindness helps bring even more good into the world. That’s why we’re excited to partner with P&G again on the #ActsOfGood Awards.

The #ActsOfGood Awards recognize individuals who actively support their communities. It could be a rockstar volunteer, an amazing community leader, or someone who shows up for others in special ways.

Do you know someone in your community doing #ActsOfGood? Nominate them between April 24th-June 3rdhere.Three winners will receive $1,000 dedicated to the charity of their choice, plus their story will be highlighted on Upworthy’s social channels. And yes, it’s totally fine to nominate yourself!

We want to see the good work you’re doing and most of all, we want to help you make a difference.

While every good deed is meaningful, winners will be selected based on how well they reflect Upworthy and P&G’s commitment to do #ActsOfGood to help communities grow.

That means be on the lookout for individuals who:

Strengthen their community

Make a tangible and unique impact

Go above and beyond day-to-day work

The #ActsOfGood Awards are just one part of P&G’s larger mission to help communities around the world to grow. For generations, P&G has been a force for growth—making everyday products that people love and trust—while also being a force for good by giving back to the communities where we live, work, and serve consumers. This includes serving over 90,000 people affected by emergencies and disasters through the Tide Loads of Hope mobile laundry program and helping some of the millions of girls who miss school due to a lack of access to period products through the Always #EndPeriodPoverty initiative.

Visit upworthy.com/actsofgood and fill out the nomination form for a chance for you or someone you know to win. It takes less than ten minutes to help someone make an even bigger impact.

Popular

Woman who gave her baby up for adoption gets a wonderful surprise from the new family

"You know, you can't have too many people loving you, right?”

A journal detailing Steven Schoebinger's young life.

At Upworthy, we love sharing the “best of humanity” with our audience, and this story out of Utah, originally reported by CBS News’ Steve Hartman, shows the power of love to break down barriers.

When Schauna Austin, 48, was 20 years old, she got pregnant and knew she wasn’t ready to raise a child, so she made the difficult decision to give the baby up for adoption. She gave birth to a son she named Riley and only had 3 days to spend with him before surrendering him to his new family.

So, she held him tight for 72 hours straight.

"It was perfect," Austin said about those 3 emotionally-charged days. "I knew I would have him for a short time, so I made every minute count of it. I didn't sleep for three days." It must have been tough for Austin to give up her son because the grieving process can be incredibly difficult.


Riley, renamed Steven, was given to Chris and Jennifer Schoebinger in a closed adoption, where Austin was not to be informed about the adoptive family. In Utah, closed adoptions are a rarity these days, with about 95% allowing some exchange of information between the birth and adoptive parents.

However, about a week later, the Schoebingers had a change of heart.

The Schoebingers decided Austin should be involved in Steven’s life. "It was like, 'OK, this is the way it should be. She was part of our family,'" Jennifer told CBS News. "You know, you can't have too many people loving you, right? Why couldn't he be both of ours?" Chris added.

Every year, the Schoebingers sent Austin pictures and bound journals showing Steven's journey in deep detail. They even had lists of all the new words he learned each year. The books were titled “The Life and Times of ‘Riley,’” paying homage to Steven’s original name.

The hope was that one day when the biological mother and son were ready, they could pick up where they left off. That moment came when Steven was 7 years old and Austin taught him to fish.

The unique arrangement has been fantastic for both Austin and her biological son. "I was blessed beyond words," Austin said. "I kind of got the best of both worlds, for sure," Steven agreed. It may seem like relationships between children and those who gave them up for adoption would be complicated. But studies show that 84% of adoptees reported high levels of satisfaction when maintaining ongoing contact with their birth parents.

Steven is now 27 and in August 2022, he and his wife, Kayla, had their first child, a boy they named Riley—the name Steven was originally given by his biological mother. Austin is now a grandmother.

The remarkable story of Austin and the Schoebinger family proves that when we put walls between ourselves and others, we are often blocking everyone off from more love and support. "I think the lesson we learned is that sometimes we create barriers where barriers don't need to be. And when we pull down those barriers, we really find love on the other side," Chris said.

Where is the third dog in this photo?


Optical illusions are wild. The way our brains perceive what our eyes see can be way off base, even when we're sure about what we're seeing.

Plenty of famous optical illusions have been created purposefully, from the Ames window that appears to be moving back and forth when it's actually rotating 360 degrees to the spiral image that makes Van Gogh's "Starry Night" look like it's moving.

But sometimes optical illusions happen by accident. Those ones are even more fun because we know they aren't a result of someone trying to trick our brains. Our brains do the tricking all by themselves.


The popular Massimo account on X shared a photo that appears to be a person and two dogs in the snow. The more you look at it, the more you see just that—two dogs and someone who is presumably their owner.

But there are not two dogs in this picture:

There are three dogs in this picture. Can you see the third?

Full confession time: I didn't see it at first. Not even when someone explained that the "human" is actually a dog. My brain couldn't see anything but a person with two legs, dressed all in black, with a furry hat and some kind of furry stole or jacket. My brain definitely did not see a black poodle, which is what the person actually is.

Are you looking at the photo and trying to see it, totally frustrated?

The big hint is that the poodle is looking toward the camera. The "hat" on the "person" is the poodle's poofy tail, and the "scarf/stole" is the poodle's head.

Once you see it, it fairly clear, but for many of us, our brains did not process it until it was explicitly drawn out.

As one person explained, the black fur hides the contours and shadows, so all our brains take in is the outline, which looks very much like a person facing away from us.

People's reactions to the optical illusion were hilarious.

One person wrote, "10 years later: I still see two dogs and a man."

Another person wrote, "I agree with ChatGPT :)" and shared a screenshot of the infamous AI chatbot describing the photo as having a person in the foreground. Even when asked, "Could the 'person' be another dog?" ChatGPT said it's possible, but not likely. Ha.

One reason we love optical illusions is that they remind us just how very human we are. Unlike a machine that takes in and spits out data, our brains perceive and interpret what our senses bring in—a quality that has helped us through our evolution. But the way our brains piece things together isn't perfect. Even ChatGPT's response is merely a reflection of our human imperfections at perception being mirrored back at us.

Sure is fun to play with how our brains work, though.


This article originally appeared on 1.8.24

America's Got Talent/Youtube

You could watch this a million times and it wouldn't get old.

In the latest episode of “America’s Got Talent,” a one-of-a-kind Argentinian dance troupe snagged a Golden Buzzer from Sofia Vergara and stunned audiences with a performance that truly brought the heat.

As the group, named Legión, stepped onto the stage in matching sleek black outfits that look straight out of the film “Desperado,” the crowd could already tell they were about to experience something special.


Just before starting their number, one of the Legión dancers explained that the team all had “regular jobs” and would find time to rehearse around 2am of the night in a family member’s backyard. If they won, they would use the prize money to purchase a studio where they can truly dedicate himself to their craft.

Then, seemingly out of nowhere, someone appeared on stage to set their boots on fire.

Legión’s blazing routine was a riveting display of passion and precision, made even more thrilling with the rhythmic beats of drums and whips.

Watch:

The folk duel dance, called malambo, emerged in the late 19th century as a way for gauchos to test their speed, strength and dexterity against one another. As malambo choreographer Gilles Brinas explained to ArtBurst, the fast-paced footwork is inspired by the galloping horses gauchos would ride as they wrangle cattle.

And while malambo dancers might regularly add weapons or drums to their routine, it seems the boots-on-fire aspect was a completely new touch.

Even Vergara, who said I'm South American. I have seen this dance many times” told the troupe "that was spectacular. I thought it was amazing. I have never seen anything like that” just before hitting the Golden Buzzer button.

Cowell, along with Hiedi Klum and Howie Mandell also sang high praises. Klum remarked “I loved it. Many dancers have danced on this stage, but their feet have never been on fire” while Mandell called it “Very unexpected, very surprising.”

“This is something I genuinely can see in Vegas,” Cowell noted.

Over in the Youtube comments, viewers felt the same way.

“I have never seen anything like that in my entire life. That was INCREDIBLE and very worthy of the golden buzzer. I can see them going very far if not winning. Congratulations and great job, guys!!!”

“That was amazing! Well deserved Golden Buzzer! I agree with Simon, VEGAS WORTHY! Viva en fuego muchachos!”

“I literally never seen anything like this before. They’ve added some danger to this act and original moves. Well deserved golden buzzer.”

Congrats to Legión, for delivering a unique, energetic and definitely fiery performance!

Democracy

15 million Americans have medical debt crushing their credit scores but that's about to end

This is great news for the millions of us with outstanding medical bills.

Millions of American families are trying to pay off medical bills that put them into debt.

A new proposed rule from the Biden administration could spell some relief for people with outstanding medical bills.

According to data collected by the Consumer Financial Protection Bureau (CFPB), 15 million Americans are carrying $49 billion in medical debt that shows up on their credit report, potentially having a negative impact on their credit score. A new rule banning medical debt from credit reports would change that.


In the U.S., people's ability to get approved for a car loan or a mortgage to purchase a house depends heavily on their credit score or FICO score. People with a strong credit history, who make payments on time and don't carry too much debt, will usually have a good credit score and an easier time being approved for loans with the best interest rates. A low credit score makes getting a loan more difficult or more expensive.

Unfortunately, circumstances out of people's control, like medical care that puts them thousands of dollars in debt, can negatively impact their credit score.

"Medical debt makes it more difficult for millions of Americans to be approved for a car loan, a home loan or small business loan, all of which in turn makes it more difficult to just get by, much less get ahead. And that is simply not fair," Vice President Kamala Harris told reporters via teleconference.

CFPB Director Rohit Chopra also shared that having medical debt is not a fair indicator of someone's true credit habits.

"Medical debt on a consumer credit report is a very different type of debt than a mortgage, an auto loan, or a credit card," Chopra explained. "Sometimes, as is the case with a visit to the emergency room, the debt is taken on unexpectedly and in a time of crisis. Medical bills are also frequently subject to coding errors, charity care mistakes, or complexities with insurance. A decade ago, the CFPB found that medical debts were overly penalizing consumer credit scores, and we have consistently found that medical billing data on a credit report is less predictive of future repayment than other debts."

Chopra also called out the predatory practices that have influenced credit reporting systems when it comes to medical debt, providing an unfair disadvantage to consumers.

"Some have seized on medical debts as a major moneymaking enterprise," he said. "These entities purchase medical debt, sometimes for pennies on the dollar, and they can cash out big by getting consumers to pay up on those debts. And one of the easiest ways they can do so is by threatening to park that medical debt on the credit report, where it might impede a consumer’s ability to get approved for a loan. In this way, the credit reporting system more closely resembles a weapon for debt collectors rather than a tool for lenders to assess someone’s likelihood to repay a loan."

Chopra also pointed out that the three big credit reporting agencies——Equifax, Experian, and TransUnion—voluntarily removed some medical debt from credit reports, only certain kinds. CFPB research found that although the number of Americans with medical debts on their credit report had decreased, the numbers were still substantial and disproportionately impact low-income Americans. Additionally, the average medical debt on credit reports had increased from $2,000 to over $3,100.

Vice President Harris said that this change would result in millions of Americans seeing a 20-point increase in their credit score on average, allowing for 22,000 more approved mortgages to buy a home. She also called on states, cities and hospitals to join the Biden administration in forgiving medical debt.

According to ABC News, the rule has been in the works since September and could go into effect early next year.