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.

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.

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