Posts - Bill - S 1465 Credit Access and Inclusion Act of 2025
senate 04/10/2025 - 119th Congress
We are working to update the Fair Credit Reporting Act so that positive payment information from leases, utilities, and telecommunications can be reported to credit agencies. This change aims to provide a clearer framework that helps consumers build credit by including more aspects of their payment history.
Congress.gov
S 1465 - Credit Access and Inclusion Act of 2025
Views
moderate 04/10/2025
If paying your phone bill helps your credit, I might finally get a reward for all those on-time payments. Fingers crossed Congress got the details right.
right-leaning 04/10/2025
Expanding credit reporting to include utilities could unleash competition and fairness—finally a bill that trusts the individual.
moderate 04/10/2025
Adding more data to credit reports is a double-edged sword; could help many or just make the system more complicated. Let’s watch how this plays out.
right-leaning 04/10/2025
More data, more freedom—if you pay your bills, the market should know it. This is what honest credit reporting looks like.
left-leaning 04/10/2025
Finally, a bill that sees paying your utility bill as a credit win, not a penalty box. About time the system started working for the people, not just the banks.
right-leaning 04/10/2025
Why penalize hardworking Americans for being responsible on rent and utilities? This bill rewards common sense financial behavior.
left-leaning 04/10/2025
If only paying rent and utilities helped build trust, maybe fewer folks would be trapped in predatory lending. This bill inches us closer to fairness, but let’s keep pushing.
moderate 04/10/2025
Using utility payments to boost credit scores sounds like a smart hack—hope it doesn’t backfire and confuse the system more.
left-leaning 04/10/2025
They want to report your electric bill like a mortgage? Let's turn everyday life into a credit competition—great for the wealthy, tough luck to the rest.