H.R.769 - Fair Access to Credit Scores Act of 2011

To amend the Fair Credit Reporting Act to require the inclusion of credit scores with free annual credit reports provided to consumers, and for other purposes. view all titles (2)

All Bill Titles

  • Official: To amend the Fair Credit Reporting Act to require the inclusion of credit scores with free annual credit reports provided to consumers, and for other purposes. as introduced.
  • Short: Fair Access to Credit Scores Act of 2011 as introduced.

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Introduced
 
House
Passes
 
Senate
Passes
 
President
Signs
 

 
02/17/11
 
 
 
 
 
 
 

Sponsor

Representative

Steve Cohen

D-TN

View Co-Sponsors (20)

Official Summary

Fair Access to Credit Scores Act of 2011 - Amends the Fair Credit Reporting Act to require consumer reporting agencies to disclose any information in the consumer's file concerning credit scores or other related risk scores or predictors when the consumer requests a free annual disclos

Official Summary

Fair Access to Credit Scores Act of 2011 - Amends the Fair Credit Reporting Act to require consumer reporting agencies to disclose any information in the consumer's file concerning credit scores or other related risk scores or predictors when the consumer requests a free annual disclosure (credit report). Requires all consumer reporting agencies to maintain information in the consumer's file concerning such scores or predictors for at least one year from the date on which such information is placed in the file. Directs the Comptroller General to study bankruptcy risk scores used by consumer reporting agencies, including an analysis of:
(1) the factors used to determine such scores;
(2) how bankruptcy risk scores impact the ability of consumers to receive loans; and
(3) actions that consumers can take to improve such scores.

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