I 
113TH CONGRESS 
1ST SESSION H. R. 1002 
To amend the Fair Credit Reporting Act to require the inclusion of credit 
scores with free annual credit reports provided to consumers, and for 
other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 6, 2013 
Mr. COHEN (for himself, Ms. NORTON, Mr. SIRES, Ms. KAPTUR, Mr. CON-
YERS, Mr. GRIJALVA, Mr. CLAY, and Ms. WILSON of Florida) introduced 
the following bill; which was referred to the Committee on Financial Serv-
ices 
A BILL 
To amend the Fair Credit Reporting Act to require the 
inclusion of credit scores with free annual credit reports 
provided to consumers, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Fair Access to Credit 
Scores Act of 2013’’. 
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SEC. 2. CREDIT SCORES INCLUDED IN FREE ANNUAL DIS-
CLOSURES. 
(a) IN GENERAL.—Section 609 of the Fair Credit 
Reporting Act (15 U.S.C. 1681g) is amended— 
(1) in subsection (a)(1)— 
(A) by striking ‘‘and’’ at the end and in-
serting a period; 
(B) by striking ‘‘except that—’’ and all 
that follows through ‘‘(A) if the’’ and inserting 
‘‘except that, if the’’; and 
(C) by striking subparagraph (B); 
(2) in subsection (a), by adding at the end the 
following: 
‘‘(7) All consumer reporting agencies described 
in section 603(p) shall disclose a current credit score 
generated using the scoring algorithm, formula, 
model, program or mechanism that is most fre-
quently used to generate scores sold to creditors, 
subject to regulations of the Bureau, along with any 
information in the consumer’s file at the time of the 
request concerning credit scores or any other risk 
scores or predictors relating to the consumer, if such 
request is made in connection with a free annual dis-
closure made pursuant to section 612(a). 
‘‘(8) Such other consumer information as the 
Bureau considers appropriate with respect to con-
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sumer financial education, including the information 
required by subsection (f)(1), information on where 
the credit score of the consumer falls with respect to 
a range of possible credit scores, and the general 
factors contributing to the credit scores of con-
sumers.’’; and 
(3) in subsection (f)— 
(A) by striking ‘‘Upon the request’’ and all 
that follows through subparagraph (A) and in-
serting the following: 
‘‘(1) IN
GENERAL.—Upon request of a con-
sumer for a credit score or a risk score, a consumer 
reporting agency shall supply to the consumer— 
‘‘(A) any credit score or risk score in the 
file of the consumer at the consumer reporting 
agency;’’; 
(B) in paragraph (2)— 
(i) by redesignating subparagraph (B) 
as subparagraph (C); and 
(ii) by striking subparagraph (A) and 
inserting the following: 
‘‘(A) CREDIT
SCORE.—The term ‘credit 
score’ means a numerical value or a categoriza-
tion derived from a statistical tool or modeling 
system used by a person who makes or ar-
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