Americans will no longer have to decide what’s more important: Their health or their credit score. Finalized on January 7, a new rule from the Consumer Financial Protection Bureau (CFPB) prohibits credit reporting agencies from including medical debt information in the credit reports and scores they provide to lenders.

One Arizona dad, Matt Miller, said this ruling is life-changing for so many people. His medical debt made it difficult for him to buy a car, much less a home.

A new Consumer Financial Protection Bureau rule means consumers’ hospital and doctor bills can no longer weigh down their credit scores.