1. Short title This Act may be cited as the Building Credit Access for Veterans Act of 2023 . 2. Department of Veterans Affairs pilot program on use of alternative credit scoring information or credit scoring models (a) Pilot program required (1) In general Not later than one year after the date of the enactment of this Act, the Secretary of Veterans Affairs shall commence carrying out a pilot program that will assess the feasibility and advisability of— (A) using alternative credit scoring information or credit scoring models using alternative credit scoring methodology for an individual described in paragraph (2)— (i) to improve the determination of creditworthiness of such an individual; and (ii) to increase the number of such individuals who are able to obtain a loan guaranteed or insured under chapter 37 of title 38, United States Code; and (B) in consultation with such entities as the Secretary considers appropriate, establishing criteria for acceptable commercially available credit scoring models to be used by lenders for the purpose of guaranteeing or insuring a loan under chapter 37 of title 38, United States Code. (2) Individual described An individual described in this paragraph is a veteran or a member of the Armed Forces who— (A) is eligible for a loan under chapter 37 of title 38, United States Code