,i  #aafth ,,congress  #ast ,session    
,h4 ,r4 #bgec  ,,in ,,the ,,house ,,of  
,,representatives  ,may #ae1 #bjai,mrs4 
,beatty introduced the following bill2  
which was referred to the ,committee on 
,financial ,services  ,a ,,bill  ,to    
amend the ,fair ,credit ,reporting ,act 
to require certain consumer reporting   
agencies to include a credit score when 
providing consumers with a free annual  
consumer report4  #a4 ,short title ,this
 ,act may be cited as the ,free ,credit 
,score ,act of #bjai4  #b4 ,inclusion of
 credit score with free annual report   
,the ,fair ,credit ,reporting ,act 7#ae 
,u4,s4,c4 #afha et seq47 is amended--   
7#a7 in section #fji7;a77#a77;,b71 by   
inserting before the period the         
following3 1 except as required under   
section #fab7;a77#a77;,d72 and  7#b7 in 
section #fab7;a77#a71 by adding at the  
end the following3  7,d7 ,inclusion of  
credit score  7i7 ,in general ,a        
consumer reporting agency that provides 
a consumer report to a consumer pursuant

 to subparagraph 7,a7 shall also provide
 such consumer with--  7,i7 an          
explanation of how credit scores are    
calculated1 including factors considered
 in credit scoring calculations2 and    
7,,ii7 a credit score 7as defined under 
section #fji7;f774  7ii7 ,rulemaking    
,the ,bureau shall issue rules--  7,i7  
to provide minimum criteria for         
explanations described under clause     
7i77,i72 and  7,,ii7 to require a credit
 score provided by a consumer reporting 
agency pursuant to clause 7i7 to be     
similar to the types of credit scores   
most commonly used by creditors4  4