Credit Reporting & Scores Archives

Letter to CRAs Requesting Translated Credit Reports During COVID-19

October 19, 2020

Letter to credit reporting agencies requesting translated credit reports during Covid-19

Letter to Chi Chi Wu from the Consumer Data Industry Association (CDIA)

October 29, 2020

Letter to Chi Chi Wu from the Consumer Data Industry Association (CDIA) stating that Equifax, Experian, and TransUnion strongly support and are actively advancing financial inclusion.

Letter to Chi Chi Wu from Equifax

October 30, 2020

A response from Equifax to NCLC's Chi Chi Wu regarding a letter requesting that Equifax provide consumers with credit reports in Spanish and seven additional languages.

Letter in Support of the Consumer Credit Control Act

October 21, 2019

The undersigned consumer groups write in support of the Consumer Credit Control Act, sponsored by Senator Jack Reed. This bill would amend the Fair Credit Reporting Act to give consumers, not credit bureaus or banks, the ultimate decision-making power over our credit reports. It addresses a paradox repeatedly pointed out in the aftermath of the…

Group Letter to HUD Regarding Removing Credit Reports and Credit Scores as a Barrier to Public and Subsidized Housing

November 3, 2021

The undersigned organizations urge HUD to take action to ensure that individuals who qualify for public or subsidized housing can successfully secure a home.

Comments to FHFA Regarding Validation and Approval of Credit Score Models

March 21, 2019

Comments of National Consumer Law Center, Atlanta Legal Aid Society, Inc, Connecticut Fair Housing Center, Consumer Action, Demos, Jacksonville Area Legal Aid, Inc, National Association of Consumer Advocates, U.S. PIRG, and World Privacy Forum regarding Validation and Approval of Credit Score Models. The undersigned consumer and advocacy groups are pleased to submit the following commentsin…

Group Comments to the CFPB on the Equal Credit Opportunity Act and Regulation B

December 1, 2020

The 48 undersigned consumer, civil rights, community, housing, and other public interestorganizations submitted comments in response to the Consumer Financial Protection Bureau’s Request for Information (RFI) on the Equal Credit Opportunity Act (ECOA) and Regulation B.

Comments on HUD’s Implementation of the Fair Housing Act’s Disparate Impact Standard

October 18, 2019

Comments to the U.S. Department of Housing and Urban Development on HUD’s Implementation of the Fair Housing Act’s Disparate Impact Standard by the National Consumer Law Center, Americans for Financial Reform Education Fund, and Consumer Federation of America.

Coalition Comments Urging DHS Not to Consider Debt or Credit History in Immigration Public Charge Determinations

October 22, 2021

Group comment in response to the Department of Homeland Security’s advanced notice of proposed rulemaking and request for input as DHS begins the process of formulating a rule regarding the determination of whether an immigrant is likely to become a “public charge.” The public charge determination will be relevant to immigrants seeking admission to the United States or an adjustment of status.

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

December 14, 2021

NCLC survey of Legal Aid and non-profit attorneys reveals credit reporting and debt collection consequences of alleged rental debt.

Amicus Brief: CDIA v. Frey

January 26, 2021

This brief argues the Fair Credit Reporting Act’s (FCRA) text and structure, as well as its legislative history, clearly indicate that Congress did not intend to enact a sweeping prohibition against all state regulation of the contents of a consumer report.

Amicus Brief: BBBB Bonding Corp. v. Caldwell

August 5, 2021

Amicus Brief in Support of Respondent Kiara Caldwell

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