This bill amends the Fair Credit Reporting Act to protect Americans who have been unlawfully detained or held hostage abroad from having negative credit information reported during the period of their captivity. The legislation prevents consumer reporting agencies from including adverse credit items in reports for individuals officially recognized as wrongfully detained or taken hostage by the U.S. government, as determined by the Special Presidential Envoy for Hostage Affairs or the Hostage Recovery Fusion Cell. Affected consumers can provide documentation certifying their hostage or detention status to credit reporting agencies, which must then remove any negative credit marks accumulated during the time they were held captive. The bill contains no specific funding or implementation timeline requirements. This protection recognizes that Americans in captivity cannot manage their financial obligations and should not suffer long-term credit damage as a result of their ordeal.