Credit Reporting & Scores

100+ Groups Support the CFPB’s Removal of Medical Debt From Credit Reports

August 12, 2024

The proposal would stop credit reporting companies from sharing medical debts with lenders and prohibit lenders from making lending decisions based on medical information.

2024 Credit & Consumer Reporting Priorities to Promote Economic Stability

March 6, 2024

Past Imperfect: How Credit Scores and Other Analytics “Bake In” and Perpetuate Past Discrimination

February 27, 2024

Recent

Comments & Letters

Reports

Issue Briefs

Testimony

Press Releases & News

Amicus Briefs

Resources for Consumers

Recent

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Tightening Consumer Protections: Don’t Let Credit Blemishes Kill Job Opportunities

December 5, 2024

The Hill: ‘Positive’ medical debt credit reporting is a Trojan horse

November 6, 2024

2024 Letter Urging Regulators to Protect Credit Scores of Survivors of Hurricanes Helene and Milton

October 31, 2024

CFPB Personal Financial Data Rights Rule Promotes Competition While Safeguarding Consumer Rights

October 22, 2024

Cracking the Code: Understanding and Overcoming Language Barriers in Consumer Finance

September 24, 2024

National Public Data Breach Shows Urgent Need for CFPB to Regulate Data Brokers

August 19, 2024

NCLC Comments Supporting CFPB Proposal to Ban Medical Debt From Credit Reports

August 12, 2024

NCLC Petition for Rulemaking under the Equal Credit Opportunity Act to Protect Renters

August 12, 2024

100+ Groups Support the CFPB’s Removal of Medical Debt From Credit Reports

August 12, 2024

Comments & Letters

View All for Comments & Letters

2024 Letter Urging Regulators to Protect Credit Scores of Survivors of Hurricanes Helene and Milton

October 31, 2024

NCLC Comments Supporting CFPB Proposal to Ban Medical Debt From Credit Reports

August 12, 2024

NCLC Petition for Rulemaking under the Equal Credit Opportunity Act to Protect Renters

August 12, 2024

Sign-on Letter to the House Energy and Commerce Committee re the American Privacy Rights Act (ARPA)

June 25, 2024

Letter from 60 Groups: Do Not Delay FCRA Rulemaking

December 4, 2023

Comments to CFPB’s Outline of Proposals for FCRA Rulemaking

November 9, 2023

Letter Urging Regulators to Protect Credit Scores of Maui Wildfire and Hurricane Idalia Survivors

October 5, 2023

NCLC Request for CFPB to Limit Arbitration of FCRA Lawsuits

July 14, 2023

Comments to the FTC-CFPB Tenant Screening Request for Information Submitted with the Center for Survivor Agency and Justice

May 30, 2023

Reports

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Cracking the Code: Understanding and Overcoming Language Barriers in Consumer Finance

September 24, 2024

Digital Denials: How Abuse, Bias, and Lack of Transparency in Tenant Screening Harm Renters

September 26, 2023

Don’t Add Further Insult to Injury: Medical Debt & Credit Reports

January 6, 2023

Mission Creep: a Primer on Use of Credit Reports & Scores for Non-Credit Purposes

August 3, 2022

Don’t Add Insult to Injury: Medical Debt & Credit Reports

November 4, 2019

Automated Injustice Redux: Ten Years After a Key Report, Consumers Are Still Frustrated Trying to Fix Credit Reporting Errors

February 1, 2019

Solving the Credit Conundrum: Helping Consumers’ Credit Records Impaired by the Foreclosure Crisis and Great Recession

December 11, 2013

Full Utility Credit Reporting: Risks to Low Income Consumers

December 8, 2009

Automated Injustice: How a Mechanized Dispute System Frustrates Consumers Seeking to Fix Errors in Their Credit Reports

January 14, 2009

Issue Briefs

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Tightening Consumer Protections: Don’t Let Credit Blemishes Kill Job Opportunities

December 5, 2024

Past Imperfect: How Credit Scores and Other Analytics “Bake In” and Perpetuate Past Discrimination

February 27, 2024

Why We Need the FCEA to Keep Credit Reports Out of Hiring Decisions Now

March 15, 2023

Why We Need the Fair Chance in Housing Act (FCHA) to Keep Credit Reports Out of Housing Decisions Now

March 15, 2023

Assisting Consumers with Rental Debt During COVID-19: Legal Aid and Non-Profit Attorneys Share Their Experiences

December 14, 2021

Ramirez, Faux-Federalism, and the Futility of Consumer Disclosure Protections

August 10, 2021

Doing Special Purpose Credit Programs Right: Why Programs to Assist Black Communities Should Avoid Conventional Use of Traditional Credit Scores

February 9, 2021

2021 Credit & Consumer Reporting Priorities to Promote Economic Recovery

December 1, 2020

Salt in the Wound: How Eviction Records and Back Rent Haunt Tenant Screening Reports and Credit Scores

August 1, 2020

Testimony

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Testimony on the 2023 Fair Chance in Employment Act

July 20, 2023

Chi Chi Wu’s Testimony in Support of Excluding Medical Debt Information from Consumer Reports (Colorado)

February 22, 2023

Testimony of Chi Chi Wu before the Massachusetts Legislature in Support of H.1429/S.894: An Act Regulating the Use of Credit Reporting in Housing

January 11, 2022

Testimony Regarding “A Biased, Broken System: Examining Proposals to Overhaul Credit Reporting to Achieve Equity”

June 29, 2021

Testimony of Chi Chi Wu before the Massachusetts Legislature in Support of H2019/S1153: the Fair Chance in Employment Act

June 29, 2021

Testimony on Consumer Credit Reporting: Assessing Accuracy and Compliance

May 26, 2021

Testimony of Chi Chi Wu to U.S. House Financial Services: “Who’s Keeping Score? Holding Credit Bureaus Accountable and Repairing a Broken System

February 26, 2019

Testimony before the U.S. House Financial Services Committee regarding Consumer Protections and Equifax Data Breach

October 25, 2017

Testimony of Chi Chi Wu Before the U.S. House Regarding Examining the Equifax Data Breach

October 25, 2017

Press Releases & News

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The Hill: ‘Positive’ medical debt credit reporting is a Trojan horse

November 6, 2024

CFPB Personal Financial Data Rights Rule Promotes Competition While Safeguarding Consumer Rights

October 22, 2024

National Public Data Breach Shows Urgent Need for CFPB to Regulate Data Brokers

August 19, 2024

100+ Groups Support the CFPB’s Removal of Medical Debt From Credit Reports

August 12, 2024

PBS: How banning medical debt from credit reports could help millions of Americans

June 12, 2024

CFPB Proposes Banning Medical Debt from Credit Reports

June 11, 2024

CFPB Report Confirms Credit Reporting of Medical Debt is a Racial Justice Issue

April 30, 2024

The New York Times: ‘Pay Later’ Lenders Have an Issue With Credit Bureaus

April 23, 2024

California AG Rob Bonta, Senator Limón Unveil Legislation to Protect Consumers Against Medical Debt

March 11, 2024

Amicus Briefs

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Amicus Brief in Henderson v. the Source for Public Data

October 15, 2021

Amicus Brief: BBBB Bonding Corp. v. Caldwell

August 5, 2021

Amicus Brief in Transunion v. Ramirez in Support of the Respondent

March 15, 2021

Amicus Brief: CDIA v. Frey

January 26, 2021

Amicus Brief in Cook County v. Wolfe

January 24, 2020

Amicus Brief in State of Washington v. U.S. Department of Homeland Security

January 24, 2020

Resources for Consumers

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From the NCLC Digital Library

Fair Credit Reporting

The premier treatise on credit bureaus, tenant screening, background checks, and other reports, plus the latest U.S. Supreme Court rulings, CFPB interpretations, federal and state legislative changes, government enforcement actions, caselaw developments, and changes to industry practices.

Read Chapter One