arrow_back Back to App

Credit Dispute Simplification: Repair Organizations Can Act Directly.

This bill aims to simplify the process of disputing inaccurate credit report information. It allows credit repair organizations to directly dispute credit information with the data furnishers, potentially speeding up corrections. Citizens using such services may experience a quicker and more efficient resolution of issues with their credit reports.
Key points
Credit repair organizations can now directly dispute inaccurate information with credit furnishers.
The change aims to streamline the process of correcting errors in credit reports.
The definition of "credit repair organization" has been expanded to include more entities acting on behalf of consumers.
article Official text account_balance Process page
Expired
Citizen Poll
No votes cast
Additional Information
Print number: 117_HR_7919
Sponsor: Rep. Lawson, Al, Jr. [D-FL-5]
Process start date: 2022-05-31
Lustra uses Artificial Intelligence. Verify details in source documents.
Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

To amend the Fair Credit Reporting Act to permit certain credit repair organizations to dispute credit information directly with a furnisher, and for other purposes.

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_HR_7919.

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 2022-05-31.

What are the main provisions?

Key points include:

  • Credit repair organizations can now directly dispute inaccurate information with credit furnishers.
  • The change aims to streamline the process of correcting errors in credit reports.
  • The definition of "credit repair organization" has been expanded to include more entities acting on behalf of consumers.
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. Lawson, Al, Jr. [D-FL-5].

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

Courts and Law Economy