arrow_back Explore the Feed

Free Access to Credit Scores with Annual Reports

New rules make it easier for citizens to access their credit scores. Credit agencies must now include a current credit score with your free annual credit report, helping you better understand your financial standing.
Key points
You will receive your credit score for free with your annual credit report.
The report will include an explanation of your score and the factors affecting it.
Credit agencies must keep your score information for at least one year.
article Official text account_balance Process page
Expired
Citizen Poll
No votes cast
Additional Information
Print number: 117_HR_745
Sponsor: Rep. Cohen, Steve [D-TN-9]
Process start date: 2021-02-03
Lustra uses Artificial Intelligence. Verify details in source documents.
Summarized by: gemini-2.5-flash-preview-04-17
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

Fair Access to Credit Scores Act of 2021

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_HR_745.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2021-02-03.

What are the main provisions?

Key points include:

  • You will receive your credit score for free with your annual credit report.
  • The report will include an explanation of your score and the factors affecting it.
  • Credit agencies must keep your score information for at least one year.
What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Cohen, Steve [D-TN-9].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Financial Services.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-28.

CATEGORIES

Economy