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Bill

HB 1927

Facilitating positive rent payment information to consumer reporting agencies at tenant request.

2025-2026 Regular Session Introduced by Lauren Davis and 6 co-sponsors

HB 1927 allows Washington tenants to request landlords report positive rent payments to credit bureaus, enabling renters to build credit through documented on-time payments.

Referred to Appropriations.
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Bill Summary · HB 1927

Legislative bill overview

HB 1927 would allow tenants to request that their landlords report positive rent payment history to consumer reporting agencies (credit bureaus). This creates an opt-in mechanism for tenants to build credit through documented on-time rental payments, addressing a gap where rent payments typically only appear on credit reports when they're delinquent.

Why is this important

Rent represents a significant monthly expense for most households, yet traditional credit reporting has historically ignored positive rent payment behavior. This bill could help tenants—particularly those with limited credit histories, younger adults, or those rebuilding credit—establish stronger credit profiles, potentially lowering borrowing costs and improving access to housing and other credit products.

Potential points of contention

  • Landlord burden and compliance: Requiring landlords to participate in credit reporting systems may impose administrative costs and complexity, particularly for small property owners, though the bill allows tenants to request rather than mandate reporting
  • Data accuracy and dispute mechanisms: Questions about how errors in rent payment reporting would be corrected, who bears responsibility for inaccurate reports, and whether protections exist for disputes
  • Fair lending concerns: Critics may argue this could inadvertently favor certain demographics in credit access, or conversely, that failure to report negative rent history creates incomplete credit pictures

Compiled from official sources — confirm details with the bill’s official record.

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