"Good credit is a gatekeeper to the American dream. However, our current system denies many individuals who pay their bills on time the opportunity to establish a credit score. This bipartisan legislation would remove regulatory barriers and allow additional data, such as utility and rental payments, to be used to build credit. I urge my colleagues on both sides of the aisle to support this commonsense bill and help the millions of people in West Virginia and across the country who are "credit invisible.'"