Credit Access and Inclusion Act of 2025

Key Points

• This bill allows landlords, utility companies, and cell phone providers to report your payment history to credit bureaus. Currently, these bills usually only show up on your credit report if you fail to pay them and they go to a collection agency.
• The change is designed to help people who don't have traditional credit, like credit cards or bank loans, build a credit score. By showing they pay their rent and light bills on time, millions of 'credit invisible' people could find it easier to qualify for car loans or mortgages.
• To protect consumers, the bill says companies cannot report how much energy or water you use, only whether you paid your bill on time. It also prevents energy companies from reporting you as 'late' if you are currently following an agreed-upon payment plan to catch up on debt.
• If you do not want your rent or utility data shared with credit bureaus, you have the right to 'opt-out.' You can stop the data sharing by sending a written request to the company or landlord providing the service.
• The government will study the results of this change after two years to see how it actually affects people's credit scores and whether it is helping more Americans get access to affordable loans.