Protecting Your Credit Score Act of 2020

[AI summary unavailable — showing source text] Protecting Your Credit Score Act of 2019 This bill revises provisions related to consumer credit reports and credit reporting agencies. Credit reporting agencies are directed to create a central online portal that allows consumers to (1) access free credit reports and credit scores, (2) dispute errors, and (3) place or lift security freezes. Consumers will receive a free credit score when requesting a free annual credit report. The bill establishes a public registry for credit reporting agencies. The bill also provides the Consumer Financial Protection Bureau (CFPB) with statutory authority for supervising credit reporting agencies. A credit reporting ombudsperson is established at the CFPB, whose responsibilities include resolving persistent errors by credit reporting agencies. A court may award injunctive relief to compel a credit reporting agency to comply with credit report protections. Credit reporting agencies must provide available information to consumers regarding the purpose behind the procurement of a credit report. The bill gives the CFPB the authority to establish data security requirements for credit reporting agencies. The Government Accountability Office must report…