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1 117th Congress (2021-2022): Comprehensive CREDIT Act of ...
https://www.congress.gov/bill/117th-congress/house-bill/4120
This bill provides for additional consumer credit protections, sets forth requirements for credit reporting agencies, and prohibits the inclusion of specified ...
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2 Fair Credit Reporting Act | Federal Trade Commission
https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act
The Act (Title VI of the Consumer Credit Protection Act) protects information collected by consumer reporting agencies such as credit bureaus, ...
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3 Credit Reporting | OCC
https://www.occ.treas.gov/topics/consumers-and-communities/consumer-protection/credit-reporting/index-credit-reporting.html
The Fair Credit Reporting Act (FCRA) regulates the consumer credit reporting industry. In general, the FCRA requires that industry to report your consumer ...
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4 Credit score overhaul: New bill aims to put government in ...
https://www.usatoday.com/story/money/personalfinance/2021/07/02/congress-credit-score-overhaul-proposal-act/46965135/
Congress considers credit-reporting overhaul, including putting government in charge of scores. Three reporting bureaus establish consumer ...
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5 CFPB Consumer Laws and Regulations FCRA
https://files.consumerfinance.gov/f/documents/102012_cfpb_fair-credit-reporting-act-fcra_procedures.pdf
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and ... credit score from consumer reporting agencies that create scores or ...
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6 Understanding the Fair Credit Reporting Act - Experian
https://www.experian.com/blogs/ask-experian/credit-education/report-basics/fair-credit-reporting-act-fcra/
The Fair Credit Reporting Act (FCRA) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau ...
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7 Fair Credit Reporting Act - Debt.org
https://www.debt.org/credit/your-consumer-rights/fair-credit-reporting-act/
The Fair Credit Reporting Act (FCRA) is a federal law that regulates credit reporting agencies and compels them to insure the information they ...
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8 The Fair Credit Reporting Act: What You Need to Know - CNET
https://www.cnet.com/personal-finance/credit-cards/the-fair-credit-reporting-act-what-you-need-to-know/
The Fair Credit Reporting Act protects your interests by governing how credit reporting agencies gather, protect and share your information. The ...
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9 What Is The Fair Credit Reporting Act? | Equifax
https://www.equifax.com/personal/education/credit/report/9-things-you-may-not-know-about-fair-credit-reporting-act/
A monthly free credit score is available as part of Equifax Core CreditTM. You'll also receive a monthly Equifax credit report. No credit card Required!
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10 How the Fair Credit Reporting Act (FCRA) Protects Consumer ...
https://www.investopedia.com/terms/f/fair-credit-reporting-act-fcra.asp
The Fair Credit Reporting Act (FCRA), Public Law No. 91-508, was passed in 1970 by the U.S. Congress to promote accuracy, fairness, and the privacy of personal ...
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11 House Passes Protecting Your Credit Score Act to Improve ...
https://consumerfed.org/press_release/house-passes-protecting-your-credit-score-act-which-improves-credit-reporting-system/
H.R.5332 Will Help Protect Consumer Credit Reports and Increase Reporting Agency Accountability – Senate Must Act ... Washington, D.C. – Today, ...
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12 Credit Bureau Reform on the Horizon?
https://afsaonline.org/2021/07/02/credit-bureau-reform-on-the-horizon/
Protecting Your Credit Score Act: Requires the credit reporting agencies to create a single online consumer portal web page that gives ...
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13 If This Bill Passes, the Government Could Determine Your ...
https://www.fool.com/the-ascent/personal-finance/articles/if-this-bill-passes-the-government-could-determine-your-credit-score/
Right now, the three major credit bureaus determine credit scores. A new bill seeks to change that setup.
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14 Credit scoring ban | Washington state Office of the Insurance ...
https://www.insurance.wa.gov/credit-scoring-ban
Legislation to ban credit scoring ... He asked the state Legislature to ban insurers' use of credit scores when determining how much you pay for auto, homeowners ...
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15 U.S. House passes major credit reporting reform - PIRG
https://pirg.org/articles/u-s-house-passes-major-credit-reporting-reform/
On Monday, the U.S. House approved H.R. 5332, the Protecting Your Credit Score Act of 2020 (Gottheimer-NJ). U.S. PIRG joined other leading advocates of ...
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16 Bill - Legislation - Wyoming Legislature
https://www.wyoleg.gov/Legislation/2022/SF0108
13‑10‑304. Social credit scores; use prohibited; penalties. (a) ...
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17 New Credit Score Models and Credit Reporting Are a Focus of ...
https://www.bhfs.com/insights/alerts-articles/2022/new-credit-scoring-models-under-consideration-at-fhfa-while-credit-score-issues-remain-in-political-crosshairs-
As the topic of credit reporting and credit scoring remains front and center at several federal agencies, a major Federal Housing Finance Agency (FHFA) ...
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18 Use of Credit Information in 2022 Insurance Legislation
https://www.ncsl.org/research/financial-services-and-commerce/use-of-credit-information-in-2022-insurance-legislation.aspx
This bill prohibits automobile insurers from assigning an insured or prospective insured to a rating tier based upon that person's: (1) ...
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19 Fair Credit Reporting Act - Bureau of Justice Assistance
https://bja.ojp.gov/program/it/privacy-civil-liberties/authorities/statutes/2349
The Fair Credit Reporting Act (FCRA) , 15 U.S.C. § 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, ...
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20 HB 431 Social Credit Score Amendments - Utah Legislature
https://le.utah.gov/~2022/bills/static/HB0431.html
8 General Description: 9 This bill enacts provisions prohibiting certain actions in relation to a social credit score. ... 24 ▸ makes technical and conforming ...
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21 The Fair Credit Reporting Act (FCRA) - Epic.org
https://epic.org/fcra/
The Fair and Accurate Credit Transactions Act of 2003 (FACTA), which amended the FCRA, now requires CRAs to disclose a consumer's credit score for a “fair ...
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22 Tillis Co-Sponsors Legislation to Increase Access to Credit ...
https://www.tillis.senate.gov/2021/7/tillis-co-sponsors-legislation-to-increase-access-to-credit-and-opportunity
This bipartisan legislation would permit landlords and utility and telecom providers to report on-time payment data to credit reporting agencies ...
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23 Credit Reports and Credit Score - Georgia Consumer Protection
https://consumer.georgia.gov/consumer-topics/credit-reports-and-credit-score
In 1971, the federal government passed the Fair Credit Reporting Act (FCRA), which provides basic rights to all consumers and recognizes the need for all ...
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24 AN OVERVIEW OF CREDIT SCORES, CREDIT REPORTS ...
https://www.govinfo.gov/content/pkg/CHRG-111hhrg56781/html/CHRG-111hhrg56781.htm
A good credit score and of course, favorable credit reports, ... Again, if we just look to the recent credit card legislation where some of us said, ...
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25 Credit Reporting - Financial Regulation
https://www.dllr.state.md.us/finance/consumers/creditrepc.shtml
Things such as delinquencies, too much debt, too many new accounts and not enough credit history can negatively affect your credit score. Paying your bills on ...
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26 Fact Sheet Supporting Mass Fair Chance in Housing Act re ...
https://www.nclc.org/resources/an-act-relative-to-the-use-of-credit-reporting-in-housing-ma-h-1429-s-894-the-fair-chance-in-housing-act/
Fact Sheet Supporting Mass Fair Chance in Housing Act re Credit Scores in Housing · Credit Reports Will Be Negatively Impacted by the COVID Crisis · Credit ...
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27 Sen. Dahm files bills to fight Big Tech censorship, social credit ...
https://oksenate.gov/press-releases/sen-dahm-files-bills-fight-big-tech-censorship-social-credit-scores
Senate Joint Resolution 38 proposes an amendment to the state constitution to make social credit scores unlawful. If passed by both legislative ...
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28 The Equal Credit Opportunity Act - Department of Justice
https://www.justice.gov/crt/equal-credit-opportunity-act-3
› crt › equal-credit-opportunity...
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29 FCRA: Fair Credit Reporting Act - Credit Karma
https://www.creditkarma.com/advice/i/fcra
The FCRA, or Fair Credit Reporting Act, is a law that explains your rights when it comes to credit reports and credit scores. Learn more.
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30 Consumer Assistance Topics - Credit Reports - FDIC
https://www.fdic.gov/resources/consumers/consumer-assistance-topics/credit-reports.html
The Fair Credit Reporting Act (FCRA) is a federal law that promotes the accuracy, fairness, and privacy of information maintained by credit ...
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31 Credit score in the United States - Wikipedia
https://en.wikipedia.org/wiki/Credit_score_in_the_United_States
Under the Wall Street reform bill passed in 2010, a consumer is entitled to receive a free report of the specific credit score used if they are denied a ...
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32 820 ILCS 70/ Employee Credit Privacy Act.
https://www.ilga.gov/legislation/ilcs/ilcs3.asp?ActID=3277&ChapterID=68
Sec. 5. Definitions. As used in this Act: "Credit history" means an individual's past borrowing and repaying ...
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33 Credit Protections Under the Coronavirus CARES Act - Nolo
https://www.nolo.com/legal-encyclopedia/credit-protections-under-the-coronavirus-cares-act.html
If you miss one or more loan, credit card, or mortgage payments because of the coronavirus (COVID-19) pandemic, the creditor can report you as delinquent to ...
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34 Fair Credit Reporting Act: Know Your Rights - NerdWallet
https://www.nerdwallet.com/article/finance/fair-credit-reporting-act-know-your-rights
Under the Fair Credit Reporting Act, you're entitled to at least one free credit report per year from each of the three major credit bureaus — ...
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35 Tell Congress: Pass the Comprehensive CREDIT Act
https://www.fairshareonline.org/node/1168
Finally, it would have the CFPB regulate credit scoring models for accuracy and give consumers free credit scores along with their free annual credit reports.
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36 4 Big Changes to Credit Reports and Credit Scores - AARP
https://www.aarp.org/money/credit-loans-debt/info-2022/credit-report-scores-changes.html
Here's why: The “average age” of your credit accounts is a factor in calculating your FICO score, the gauge of creditworthiness most commonly used by banks and ...
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37 Consumer Credit Bill of Rights
https://www.state.nj.us/dobi/division_consumers/finance/creditrights.htm
Your credit score is a number that is calculated based on your credit history that measures your credit worthiness at a particular point in time. You can ...
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38 From Inherent Racial Bias to Incorrect Data—The ... - Forbes
https://www.forbes.com/advisor/credit-cards/from-inherent-racial-bias-to-incorrect-data-the-problems-with-current-credit-scoring-models/
Credit scores range from 300 (poor) to 850 (excellent). Although there are many credit scoring models (lenders might have their own proprietary ...
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39 HB 96 -- Credit Scoring by Insurance Companies Sponsor
https://house.mo.gov/billtracking/bills051/sumpdf/HB0096i.pdf
HB 96 -- Credit Scoring by Insurance Companies. Sponsor: Haywood. This bill changes the laws regarding the use of credit information in underwriting auto ...
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40 Credit reporting - Home
https://www.oaic.gov.au/privacy/credit-reporting
Australian privacy laws have strict rules about how credit providers and credit reporting bodies must handle your personal information. You can request a ...
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41 Governing Legislation | TransUnion Canada
https://www.transunion.ca/about-us/governing-legislation
In Canada, most provinces have credit reporting legislation to outline practices that must be adopted by credit reporting agencies and the users of consumer ...
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42 Bankruptcy & Your Credit Report
https://www.wawb.uscourts.gov/cs-CreditReports
The Fair Credit Reporting Act, (link is external) Section 605, governs the actions of credit reporting agencies. The law states that credit reporting agencies ...
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43 Proposed Legislation Would Allow Furnishing Utility and ...
https://www.consumerfinancialserviceslawmonitor.com/2022/10/proposed-legislation-would-allow-furnishing-utility-and-phone-bills-to-credit-reporting-agencies/
8985, also known as the Credit Access and Inclusion Act of 2022, to amend the Fair Credit Reporting Act and allow payment information for ...
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44 Fair Credit Reporting Act (FCRA): A Guide - First Republic Bank
https://www.firstrepublic.com/insights-education/fair-credit-reporting-act-fcra-a-guide
The act was designed to create more accurate, fair and private information about a person's credit history and credit score.
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45 General Information - Credit Reports - Texas State Law Library
https://guides.sll.texas.gov/credit-reports
From the FTC: "The Fair Credit Reporting Act (“FCRA”) governs the collection, assembly, and use of consumer report information and provides the ...
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46 Credit Policy - National Association of REALTORS®
https://www.nar.realtor/credit-policy
In the current Congress, NAR supports H.R.4112(link is external) – the “Clarity in Credit Score Formation Act of 2021” introduced by Representative Lynch (D-MA) ...
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47 What to look for in your credit report to lower borrowing costs
https://www.cnbc.com/2022/10/11/what-to-look-for-in-your-credit-report-to-lower-borrowing-costs.html
Here's how that can help boost your credit score. ... Keeping tabs on your credit report — which outlines your debts, bill payment history ...
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48 Proposed Changes to Credit Reporting Could Benefit Millions ...
https://southernmarylandchronicle.com/2022/02/12/proposed-changes-to-credit-reporting-could-benefit-millions-of-americans/
The Comprehensive CREDIT Act and the Protecting Your Credit Score Act of 2021 both passed the House of Representatives and are currently ...
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49 HLS 22RS-552 - Louisiana State Legislature
https://www.legis.la.gov/legis/ViewDocument.aspx?d=1255670
social credit scores or environmental, social, and governance credit (ESG) factors. 18. B. Notwithstanding any other provision to the contrary, a financial ...
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50 Fair Credit Reporting Act, FCAR - iSoftpull
https://www.isoftpull.com/resources/fair-credit-reporting-act
Fair Credit Reporting Act (FCRA), located under Code Title 15 U.S.C of Section 1681, refers to a United States Federal Government Legislation.
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51 The Fair Credit Reporting Act - FFIEC
https://www.ffiec.gov/exam/InfoBase/documents/02-con-fair_credit_reporting_act-000799.pdf
Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. ... information concerning credit scores or any other risk scores or predictors relating to the ...
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52 Fair Credit Reporting Act (FCRA) - MoneyGeek
https://www.moneygeek.com/credit-cards/advice/fair-credit-reporting-act/
Notice if credit information is used against you · Access and know what's in your file · Ask for a credit score (for a fee) · Dispute inaccurate ...
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53 Credit reports: your rights - Government of Nova Scotia
https://beta.novascotia.ca/credit-reports-your-rights
Credit bureaus operating in Nova Scotia must be licensed and follow the rules set out in the Consumer Reporting Act. The act outlines your rights in ...
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54 The Data Revolutionizing Credit Scoring
https://www.theregreview.org/2022/02/10/kliewer-data-revolutionizing-credit-scoring/
A second federal law—the Equal Credit Opportunity Act (ECOA)— also governs credit scores and focuses on preventing discrimination in lending and ...
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55 House Democrats propose government-run credit reporting ...
https://news.yahoo.com/house-democrats-propose-government-run-credit-reporting-system-194943545.html
Three pieces of legislation were put forth for discussion, including the National Credit Reporting Agency Act that “would establish the ...
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56 Credit Scoring and the Equal Credit Opportunity Act
https://repository.uchastings.edu/cgi/viewcontent.cgi?article=2586&context=hastings_law_journal
The creditor understands both the individual score and the scoring system and con- trols all aspects of their use, whereas the credit report emanates from a.
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57 Consumer Protection and Credit Legislation - MoneyTips
https://moneytips.com/consumer-protection/
The FCBA requires card issuers to credit your payments promptly and to correct any mistakes on your credit card bill without damaging your ...
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58 Tlaib bill would prohibit use of credit scores to set car ...
https://www.detroitnews.com/story/news/politics/2019/03/17/tlaib-bill-auto-insurance-credit-scores/3173531002/
Tlaib bill would prohibit use of credit scores to set car insurance rates ... Washington — New legislation introduced in Congress by freshman Rep.
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59 Fair Credit Reporting Act (FCRA) - Definition, Purpose
https://www.wallstreetmojo.com/fair-credit-reporting-act-fcra/
The Fair Credit Reporting Act (FCRA) is a federal law in the United States that governs how credit reporting bureaus and agencies can collect, use, ...
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60 Michigan Legislature - Section 500.2153
http://www.legislature.mi.gov/mileg.aspx?page=getObject&objectName=mcl-500-2153
An insurer shall not use credit information or an insurance score as any part of a decision to deny, cancel, or nonrenew a personal insurance policy under ...
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61 HOUSE BILL No. 2664 - Kansas Legislature
http://www.kslegislature.org/li/b2021_22/measures/documents/hb2664_00_0000.pdf
(5) social credit score;. (6) environmental, social and governance criteria; or. (7) other similar values-based or impact criteria.
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62 The bill that could radically improve your credit score
https://www.washingtonpost.com/news/business/wp/2014/09/09/rep-maxine-waters-proposes-sweeping-changes-to-credit-reporting-law/
It's been a decade since any substantial changes have been made to the Fair Credit Reporting Act. The last major amendment to the law gave ...
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63 Legislation introduced to prevent unexpected medical bills ...
https://upnorthlive.com/legislation-introduced-to-prevent-unexpected-medical-bills-from-hurting-credit-scores
Legislation introduced to prevent unexpected medical bills from hurting credit scores ... FLINT, Mich. - Bipartisan legislation has been ...
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64 Lawmakers Hope to Block Use of Credit Scores by Auto Insurers
https://www.marylandmatters.org/2022/02/28/lawmakers-hope-to-block-use-of-credit-scores-by-auto-insurers/
The insurance industry vigorously defends the use of credit scores and has successfully fought legislation such as Wells' numerous times since ...
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65 FHFA Approves New Credit Score Models for GSE Loans
https://www.ncsha.org/blog/fhfa-approves-new-credit-score-models-for-gse-loans/
FHFA began to explore new models in 2014 and submitted a request for information on alternative credit scores in 2017. In 2018, Congress passed ...
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66 Surprise Billing Ban Opens Door for CFPB to Curb Medical Debt
https://news.bloomberglaw.com/banking-law/no-surprise-billing-law-opens-door-for-cfpb-to-curb-medical-debt
Using the No Surprises Act to reduce medical debt on credit reports ... on outstanding medical debt in calculating consumer credit scores.
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67 Consumer Agency Weighs Ban on Medical Debts in Credit ...
https://www.nytimes.com/2022/03/04/business/credit-report-medical-debt-ban.html
A law called the No Surprises Act, which took effect in January, put in place new consumer protections against surprise medical bills. Surprise ...
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68 Credit Where Credit is Due: Why Congress Must Act Now to ...
https://nyujlpp.org/quorum/mcmillan-credit-where-credit-is-due/
25, 2020), https://www.creditkarma.com/advice/i/fico-score-9. A single debt collection account on a credit report can cause a consumer's credit ...
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69 Bill Information for HB 3007 - Oklahoma Legislature
http://www.oklegislature.gov/BillInfo.aspx?Bill=hb3007&Session=2000
Insurance; Use of Credit Information in Personal Insurance Act; prohibiting use of credit score; repealer; effective date.
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70 House Passes Bill Restricting Employer Credit Checks
https://www.natlawreview.com/article/house-passes-bill-restricting-employer-credit-checks
January 29, 2020, the House of Representatives passed the Comprehensive CREDIT Act of 2020, which changes consumer reporting agencies and ...
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71 ALEC in The Epoch Times: Are Social Credit Scores Coming ...
https://alec.org/article/alec-in-the-epoch-times-are-social-credit-scores-coming-to-america/
Credit score icon written on a blue button of a computer keyboard. ... chief economist at the American Legislative Exchange Council, ...
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72 Legislation targets credit reports in tenant screening
https://caanet.org/bills-target-credit-reports-in-tenant-screening/
A newly introduced bill would prohibit landlords from using credit reports while screening prospective tenants.
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73 Consumer Protection: Congress Should Consider Enhancing ...
https://www.gao.gov/products/gao-22-104527
Unlike traditional credit scores, these scores may not be subject to consumer protection laws that seek to assure fair and transparent ...
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74 The Consumer Credit Protection Act: An Overview of Its Major ...
https://www.everycrsreport.com/reports/RL30889.html
This report discusses the major components of the Consumer Credit Protection Act, as amended, including recent amendments to the Fair Credit Reporting Act (FCRA) ...
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75 Can Your Cell Phone Bill Help You Build Credit? - Bankrate.com
https://www.bankrate.com/finance/credit-cards/can-cell-phone-bill-build-credit-score/
Unlike your mortgage or car payments, paying your cell phone bill regularly each month alone will not help increase your credit score.
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76 Know Your Rights under the Fair Credit Reporting Act
https://www.debt.com/credit-report/fair-credit-reporting-act/
You have the right to get your credit scores so you can improve them or use them in an informed decision to seek new credit. However, the FCRA does not grant ...
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77 Credit score overhaul introduced in House | The Hill
https://thehill.com/policy/finance/217284-waters-proposes-bill-to-overhaul-credit-reporting-rules/
Rep. Maxine Waters (Calif.) is introducing legislation on Wednesday that provides more leeway to consumers to avoid and fix problems on their ...
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78 Why did credit scores rise for households with low credit ...
https://www.bostonfed.org/news-and-events/news/2021/12/credit-scores-during-coronavirus-pandemic.aspx
Credit scores affect a person's ability to access housing, receive loans, and qualify for certain employers. Lenders use credit scores to judge ...
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79 Congress Should Expand Use of Alternative Credit Data
https://datainnovation.org/2022/03/congress-should-expand-use-of-alternative-credit-data/
The Financial Inclusion Act of 2021 has passed the House of Representatives as an amendment to the Consumer Financial Protection Act of 2010 and ...
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80 The Fair Credit Reporting Act Guarantees You Basic Rights ...
https://www.ncconsumer.org/news-articles-eg/the-fair-credit-reporting-act-guarantees-you-a-number-of-different-rights-and-protections.html
Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from ...
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81 Consumer Credit Laws You Should Be Familiar With
https://www.thebalancemoney.com/consumer-credit-laws-you-should-be-familiar-with-4068374
The Equal Credit Opportunity Act · The Fair Credit Reporting Act · The Fair Debt Collection Practices Act · The Truth in Lending Act · The Credit ...
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82 Credit Reporting Act 2013 - Irish Statute Book
https://www.irishstatutebook.ie/eli/2013/act/45/enacted/en/html
30. Power of Bank to produce credit scores and anonymised information ... 34. Amendment of section 33AK of Central Bank Act 1942.
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83 A Brief History of Credit Scores - OppLoans
https://www.opploans.com/oppu/articles/a-brief-history-of-credit-scores/
The three major credit bureaus, Experian, TransUnion, and Equifax, track your personal financial information to determine your credit score.
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84 The CARES Act and Your Credit - What You Should Know
https://www.consumerlawfirm.com/the-cares-act-and-protecting-your-credit/
How Creditors and Lenders Report to the Credit Bureaus under the CARES Act · FICO does not consider disaster codes for credit scoring. · VantageScore will not use ...
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85 How the Credit CARD Act of 2009 Affects You
https://www.credit.com/credit-law/credit-card-act-of-2009/
Let's say your card issuer raised your rate due to a decline in your credit score. If a year later your credit score is back to where it was ...
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86 Credit Scores | Federal Housing Finance Agency
https://www.fhfa.gov/PolicyProgramsResearch/Policy/Pages/Credit-Scores.aspx
The Enterprises will continue the validation and approval process for newer credit score models under requirements established by FHFA's final rule. If a credit ...
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87 A Broken System - Consumer Reports
https://advocacy.consumerreports.org/wp-content/uploads/2021/06/A-Broken-System-How-the-Credit-Reporting-System-Fails-Consumers-and-What-to-Do-About-It.pdf
19 While the Fair Credit Reporting Act provides consumers the right to obtain their credit score, it does not outline how scoring companies should provide ...
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88 House of Representatives Passes New Credit Reporting ...
https://www.insidearm.com/news/00045869-house-representatives-passes-new-credit-r/
3621), introduced by Rep. Ayanna Pressley. While the CREDIT Act—which still needs to go through the Senate—is primarily aimed at credit ...
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89 Bill to enhance poor credit scores will backfire, critics say
https://www.americanbanker.com/news/bill-to-enhance-poor-credit-scores-will-backfire-critics-say
WASHINGTON — Legislation to enhance credit scores by allowing consumers to include data about their monthly bills has broad bipartisan ...
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90 The Long, Twisted History of Your Credit Score - Time
https://time.com/3961676/history-credit-scores/
Quickly implemented throughout the consumer credit industry, the FICO score represented the final consummation of a process that began with the ...
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91 A Biased, Broken System: Examining Proposals to Overhaul ...
https://www.demos.org/testimony-and-public-comment/biased-broken-system-examining-proposals-overhaul-credit-reporting
Credit Reports and Scores Determine Access to Economic ... the Introduction of the National Credit Reporting Agency Act; In Conclusion.
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92 oregon insurance division bulletin ins 2010-4
https://dfr.oregon.gov/laws-rules/Documents/Bulletins/bulletin2010-04.pdf
Credit Scoring Legislation – Senate Bill 377 ... If an insurer uses the consumer's credit history or insurance score at any time in the.
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93 model act regarding use of credit information - - NCOIL
https://ncoil.org/wp-content/uploads/2016/04/11262015PropertyCasualtyModelAct.pdf
D. Consumer—An insured whose credit information is used or whose insurance score is calculated in the underwriting or rating of a personal insurance policy ...
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94 Does Medical Debt Affect Your Credit Score? - GoodRx
https://www.goodrx.com/healthcare-access/medical-debt/medical-debt-credit-score
The Medical Debt Relief Act is federal legislation, introduced in 2021, that would help consumers pay and manage medical debt. If enacted, the ...
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95 Credit Card Accountability Responsibility and Disclosure Act ...
https://www.law.cornell.edu/wex/credit_card_accountability_responsibility_and_disclosure_act_of_2009
Under the CARD Act of 2009, credit card issuers must generally wait until an account is at least one year old before raising interest rates and must give notice ...
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96 Improving Credit Scores - NuVista Federal Credit Union
https://www.nuvista.org/Services/Other-Services/Improving-Credit-Scores
All U.S. consumers are now eligible to receive one free copy of their credit report per year. This is just one feature of the FACT Act, legislation designed to ...
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97 What is the Fair Credit Reporting Act? - Consumers Law
https://www.consumerslaw.com/blog/what-is-the-fair-credit-reporting-act/
The Fair Credit Reporting Act, or FCRA, is a federal law governing how consumer credit information can be used and distributed.
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