On December 12, the CFPB announced the release of a brief on credit invisibility, following up on a 2015 report, which found that 26 million Americans—or one in 10 adults—do not have a credit history with one of the nationwide credit reporting companies. According to CFPB research, an additional 19 million consumers have “unscorable” credit files—i.e., files that are thin or contain insufficient or too brief credit history—and thus, overall, there are 45 million consumers who may be denied access to credit because they do not have credit records that can be scored. The Bureau also provided a checklist for consumers that incorporates the information from the post and identifies actions that consumers can take concerning credit reports. According to the CFPB, consumers should obtain and read credit reports and act quickly to correct any errors they may find in the reports.