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H.R. 5332 (116th): Protecting Your Credit Score Act of 2020

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About the bill

But would provisions allowing consumers to challenge their credit score open the door to the removal of negative but accurate information?


There are three nationwide credit reporting agencies: Equifax, Experian, and TransUnion. These three for-profit companies calculate your credit score based on your personal finances and payment history. That credit score in turn can affect your ability to rent a house or apartment, buy a car, purchase insurance, or take out a credit card.

But all three companies use different formulas for determining your credit score, have different websites for obtaining your own score, and often charge customers to find out what their score is.

What the bill does

The Protecting Your Credit Score Act would direct the three credit bureaus to create a central online website, which would ...

Sponsor and status

Josh Gottheimer

Sponsor. Representative for New Jersey's 5th congressional district. Democrat.

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Last Updated: Jun 30, 2020
Length: 25 pages
Dec 6, 2019
116th Congress (2019–2021)
Died in a previous Congress

This bill was introduced in a previous session of Congress and was passed by the House on June 29, 2020 but was never passed by the Senate.


Position statements

Statement of Administration Policy

President Donald Trump [R, 2017-2021]: H.R. 5332 – Protecting Your Credit Score Act of 2019 (Jun 29, 2020)

What legislators are saying

Gottheimer Bill Passes House to Create New Online Credit Portal to Protect from Fraud, Increase Transparency, Strengthen Americans’ Financial Futures
    — Rep. Josh Gottheimer [D-NJ5] (Sponsor) on Jun 29, 2020

Bill Flores Discusses the Latest from Washington
    — Rep. Bill Flores [R-TX17, 2011-2020] on Jul 2, 2020

the daily leader: monday, june 29, 2020
    — Rep. Steny Hoyer [D-MD5] on Jun 28, 2020

More statements at ProPublica Represent...

What stakeholders are saying

R Street Institute estimates H.R. 5332 will add $25 million in new spending through 2030.


Dec 6, 2019

Bills and resolutions are referred to committees which debate the bill before possibly sending it on to the whole chamber.

Dec 10, 2019
Considered by House Committee on Financial Services

A committee held a hearing or business meeting about the bill.

Dec 11, 2019
Ordered Reported

A committee has voted to issue a report to the full chamber recommending that the bill be considered further. Only about 1 in 4 bills are reported out of committee.

Mar 12, 2020
Reported by House Committee on Financial Services

A committee issued a report on the bill, which often provides helpful explanatory background on the issue addressed by the bill and the bill's intentions.

Jun 22, 2020
Text Published

Updated bill text was published as of Preprint (Rule).

Jun 29, 2020
Passed House (Senate next)

The bill was passed in a vote in the House. It goes to the Senate next.

H.R. 5332 (116th) was a bill in the United States Congress.

A bill must be passed by both the House and Senate in identical form and then be signed by the President to become law.

Bills numbers restart every two years. That means there are other bills with the number H.R. 5332. This is the one from the 116th Congress.

This bill was introduced in the 116th Congress, which met from Jan 3, 2019 to Jan 3, 2021. Legislation not passed by the end of a Congress is cleared from the books.

How to cite this information.

We recommend the following MLA-formatted citation when using the information you see here in academic work:

“H.R. 5332 — 116th Congress: Protecting Your Credit Score Act of 2020.” 2019. June 16, 2021 <>

Where is this information from?

GovTrack automatically collects legislative information from a variety of governmental and non-governmental sources. This page is sourced primarily from, the official portal of the United States Congress. is generally updated one day after events occur, and so legislative activity shown here may be one day behind. Data via the congress project.