IIB 
110TH CONGRESS 
1ST SESSION 
H. R. 513 
IN THE SENATE OF THE UNITED STATES 
NOVEMBER 6, 2007 
Received; read twice and referred to the Committee on Veterans’ Affairs 
AN ACT 
To amend the Servicemembers Civil Relief Act to enhance 
the protection of credit ratings of members of the reserve 
component who serve on active duty in support of a 
contingency operation, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
VerDate Aug 31 2005 
00:34 Nov 07, 2007
Jkt 069200
PO 00000
Frm 00001
Fmt 6652
Sfmt 6201
E:\BILLS\H513.RFS
H513
cnoel on PRODPC60 with BILLS
HR 513 RFS
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘National Heroes Credit 
Protection Act’’. 
SEC. 2. PROTECTION OF CREDIT RATINGS OF MEMBERS OF 
THE RESERVE COMPONENTS DEPLOYED IN 
SUPPORT OF CONTINGENCY OPERATIONS. 
(a) IN GENERAL.—Title II of the Servicemembers 
Civil Relief Act (50 U.S.C. App. 521 et seq.) is amended 
by adding at the end the following new section: 
‘‘SEC. 208. PROTECTION OF CREDIT RATINGS OF MEMBERS 
OF RESERVE COMPONENTS DEPLOYED IN 
SUPPORT OF CONTINGENCY OPERATIONS. 
‘‘(a) REQUEST
FOR MILITARY SERVICE DEPLOY-
MENT EXPLANATION.—At any time during or after serv-
ing on active duty in support of a contingency operation, 
an eligible servicemember may request that a consumer 
reporting agency include a military service deployment ex-
planation with respect to a qualifying account in the file 
of that servicemember at the consumer reporting agency. 
‘‘(b) RESPONSIBILITIES OF CONSUMER REPORTING 
AGENCIES.—Upon receiving a request from an eligible 
servicemember under subsection (a), a consumer reporting 
agency shall— 
‘‘(1) include a military service deployment ex-
planation with respect to a qualifying account in the 
file of that servicemember and provide the military 
VerDate Aug 31 2005 
00:34 Nov 07, 2007
Jkt 069200
PO 00000
Frm 00002
Fmt 6652
Sfmt 6201
E:\BILLS\H513.RFS
H513
cnoel on PRODPC60 with BILLS
HR 513 RFS
service deployment explanation to each person who 
requests the credit score or consumer report of the 
servicemember; 
‘‘(2) develop and maintain procedures for the 
referral to other such agencies of any military serv-
ice deployment explanation received by the agency; 
and 
‘‘(3) notify the servicemember in writing that 
the inclusion of any explanation or notation in the 
file of the servicemember could potentially negatively 
affect the credit rating of the servicemember and 
may not mitigate a low credit score. 
‘‘(c) DUTY OF RESELLER TO RECONVEY MILITARY 
SERVICE DEPLOYMENT EXPLANATION.—A reseller shall 
include in any report of the reseller on a servicemember 
any military service deployment explanation placed in the 
file of that servicemember by another consumer reporting 
agency pursuant to this section. 
‘‘(d) ACKNOWLEDGMENT OF MILITARY SERVICE DE-
PLOYMENT EXPLANATION.—Any prospective user of a 
consumer credit report containing a military service de-
ployment explanation shall acknowledge such military 
service deployment explanation. 
‘‘(e) DEFINITIONS.—For the purposes of this section: 
VerDate Aug 31 2005 
00:34 Nov 07, 2007
Jkt 069200
PO 00000
Frm 00003
Fmt 6652
Sfmt 6201
E:\BILLS\H513.RFS
H513
cnoel on PRODPC60 with BILLS
HR 513 RFS
‘‘(1) The term ‘eligible servicemember’ means a 
member of a reserve component who serves on active 
duty outside the continental United States in sup-
port of a contingency operation under a call or order 
specifying a period of such service of not less than 
180 days (or who enters such service under a call or 
order specifying a period of 180 days or less and 
who, without a break in service, receives orders ex-
tending the period of such service to a period of not 
less than 180 days). 
‘‘(2) The term ‘military service deployment ex-
planation’ means a code generated by a consumer 
reporting agency that is delivered in conjunction 
with a consumer report or credit score to a user of 
the consumer report or credit score to indicate that 
the consumer report or credit score of the consumer 
was adversely affected during a period in which the 
consumer was a servicemember serving on active 
duty outside the continental United States in sup-
port of a contingency operation. 
‘‘(3) The term ‘contingency operation’ has the 
meaning given that term under section 101(a)(13) of 
title 10, United States Code. 
VerDate Aug 31 2005 
00:34 Nov 07, 2007
Jkt 069200
PO 00000
Frm 00004
Fmt 6652
Sfmt 6201
E:\BILLS\H513.RFS
H513
cnoel on PRODPC60 with BILLS