Consumers would see negative information removed from their credit reports faster.
This bill would make it easier for people to fix their credit reports. It would shorten how long negative information stays on them. It would also remove medical debt and fully paid or settled debts from reports, while providing special credit protections for victims of fraud, economic abuse, or predatory lending.
Today, most negative information stays on credit reports for seven years, and medical debt can significantly lower credit scores. Fully paid or settled debts may remain on reports for a long time. After this bill, most negative information would be removed after four years, all medical debt would be banned from reports, and paid or settled debts would be removed within 45 days.
HR 9639 · 119th Congress · July 9, 2026 · AI Summary by gemini-2.5-flash · 10/10
Sign in to see your representatives' phone numbers