Rep. Rashida Tlaib on What Her Bad Credit Bill Does for Michigan

The bill, which recently passed the House, helps get negative information off your report faster, delays reporting of medical debt and could help protect your identity from being stolen.

One in five people have incorrect information on their credit report, according to the Federal Trade Commission. And for one in eight that information actually makes their credit score drop.

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New legislation that passed the U.S. House would shorten the time negative information stays on your credit report, from seven years to four – among other changes. Detroit Congresswoman Rashida Tlaib (MI-13) was one of the sponsors of the bill. She explains the focus of the legislation to WDET’s Russ McNamara.

Click on the player above to hear Rep. Rashida Tlaib talk about the credit score bill and the changes it brings. Read excerpts of the conversation below. 

On reducing the time for bad marks on a credit report

“It would completely help open up doors for millions of Americans across the country to active economic opportunities, [including] increasing homeownership.” – Rep. Rashida Tlaib

On the bill pushing back the reporting of medical debt

“It extends this time period before all medical debt can actually be reported from 180 days to 365 days [and] doubles the time before it can actually show up in your credit for.” – Rep. Rashida Tlaib

On getting rid of fraudulent debt and its effect on credit reports

“One resident, Norma, in my district told me she’s had her identity stolen three times just in one year. Those folks actually get relief right away.” – Rep. Rashida Tlaib

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  • Russ McNamara
    Russ McNamara is the host of All Things Considered for 101.9 WDET, presenting local news to the station’s loyal listeners. He's been an avid listener of WDET since he moved to metro Detroit in 2002.