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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.
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Status:
Expired
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Additional Information
Fair Access to Credit Scores Act of 2021
Print number: HR 745
Sponsor: Rep. Cohen, Steve [D-TN-9]
Process start date: 2021-02-03
System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.
Summarized by: gemini-2.5-flash-preview-04-17
Source data: api.congress.gov
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Summary & Status

Key Questions about Free Access to Credit Scores with Annual Reports

A structured overview of the legislative process, official sources, status and civic context.

What is the official ID of this bill?

The official print number for this legislation is 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.

Analysis and Potential Impact of HR 745

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge. Review our public AI processing logs for full transparency, and use Lustra to track active legislation for instant status push notifications.

CATEGORIES

Economy