The Credit Access and Inclusion Act of 2025 amends federal credit reporting laws to allow utility companies, telecommunications providers, landlords, and the Department of Housing and Urban Development to report payment information to credit reporting agencies. This includes data on consumers' payments for rent, electricity, gas, water, and phone services, which could help people build credit histories based on their regular bill-paying behavior. The bill includes consumer protections such as an opt-out option and a restriction preventing utility companies from marking consumers as delinquent if they are following an agreed-upon payment plan. The legislation also requires the Government Accountability Office to study and report within two years on how this new reporting practice affects consumer credit scores and overall financial well-being.
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