Sen. Bernie Sanders of Vermont and Rep. Steve Cohen of Tennessee have introduced The Fair Access to Credit Scores Act of 2013, which would amend the Fair Credit Reporting Act. The bill would require that the three major credit bureaus also include a current credit score when they provide a customer with a free credit report. Currently, U.S. consumers can check each credit report from TransUnion, Equifax, and Experian once a year for free through AnnualCreditReport.com; but they may have to pay for the actual credit score. Sanders’ office says that one of the motivations behind the bill is to fight back against “free score” schemes that provide consumers with FICO scores -- but only if they sign up for costly subscription-based credit monitoring services. It also aims to provide scores that are similar or the same as the scores that lenders see -- not the "educational" scores that borrowers can purchase and that often differ markedly from those sold to lenders. "Knowing your credit score is essential to managing your finances," states Pamela Banks of Consumers Union. "Your scores have a huge impact on your life, but you typically have to pay for them, and the scores you buy may not even be the ones your lenders use. This bill would help consumers get the credit scores they need, and it would take some of the mystery out of the credit reporting industry."