Millions of Americans are held back by inaccurate credit reporting, re-aging of debt, and abusive collection practices.

The system is outdated, inconsistent, and often unfair.

This proposal introduces a Consumer Credit Bill of Rights to restore accuracy, transparency, and accountability — and give people a real chance to rebuild.

Why We Are Doing This

The current credit reporting system impacts nearly every part of life — from housing and employment to access to financial opportunity.

Yet millions of Americans face:

 • Inaccurate or unverifiable information

 • Old debts being reported as if they are new

 • Debt being sold to third parties without clear documentation

 • Repeated disputes that do not lead to real resolution

 • Long-term financial harm from outdated reporting practices

This is not just a personal issue — it is a systemic one.

Today’s system allows:

Re-aging of debt, making old accounts appear recent
Continuous reporting that misrepresents a person’s financial recovery
Debt buyers to report without full documentation
Inconsistent reporting across multiple credit bureaus
Limited accountability for errors and inaccuracies

These issues create real-world consequences:

Denied housing
Lost job opportunities
Higher interest rates
Financial instability

The Goal

The goal of the Consumer Credit Bill of Rights Act is to:

Ensure all reported information is accurate and verifiable

Prohibit re-aging and misleading reporting practices

Require full documentation for all debt reporting

Protect consumers from abusive collection practices

Establish accountability and penalties for violations

 Create a pathway for financial recovery

Move toward a more transparent and unified credit system

What This Means

This proposal is about fairness.

It is about ensuring that:

People are judged based on their current behavior

Errors do not define someone’s future
The system works for consumers — not against them

What This Means

This proposal is about fairness.

It is about ensuring that:

 • People are judged based on their current behavior

 • Errors do not define someone’s future

 • The system works for consumers — not against them

Why This Matters Now?

Credit reporting is one of the most complained-about issues in consumer protection.

The current system has not kept up with modern financial realities.

Reform is not just necessary — it is overdue.

We are calling on lawmakers to:

Review and introduce the Consumer Credit Bill of Rights Act
Strengthen enforcement of existing laws
Protect consumers from harmful reporting practices
Modernize the credit system for today’s economy

SIGN THIS PETITION If you believe in:

Fairness
Transparency
Accountability
A real chance to rebuild

Sign this petition and support reform.

This is not about removing responsibility — it is about ensuring the system is accurate, fair, and accountable.

📄 View the full Consumer Credit Bill of Rights Act (Official Proposal):

Consumer Credit Bill Of Rights Act Submission​

Proposed Consumer Credit Bill Of Rights (After Law)​

Maria D. Ballenilla-Blondett’s Proposal vs. the Fair Credit Reporting Act

(Read-only document — safe to view)

Includes full legislative text, enforcement framework, and legal appendix.