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Name Accuracy in Credit Reports: Your Name, Your Credit History.

This bill aims to ensure that credit agencies use your current legal name on credit reports if you request it. This means your credit history will more accurately reflect your current identity, potentially making it easier to access credit and financial services.
Key points
You have the right to request that credit agencies only use your current legal name on credit reports.
This change aims to improve the accuracy of credit reports, which is important for your creditworthiness.
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Status:
Expired
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Additional Information
Print number: 118_HR_2444
Sponsor: Rep. Pressley, Ayanna [D-MA-7]
Process start date: 2023-03-30
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-05-20
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

Name Accuracy in Credit Reporting Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 118_HR_2444.

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 2023-03-30.

What are the main provisions?

Key points include:

  • You have the right to request that credit agencies only use your current legal name on credit reports.
  • This change aims to improve the accuracy of credit reports, which is important for your creditworthiness.
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. Pressley, Ayanna [D-MA-7].

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 2025-12-24.

What is the impact of this bill?

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.

CATEGORIES

Economy Courts and Law