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FCRA - Fair Credit Reporting Act
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| The FCRA – Fair Credit Reporting Act contains key rights to consumers to protect them from abuses by the credit industry. The Fair Credit Reporting Act (FCRA) is a federal law that regulates how credit reporting agencies can use consumer information. The FCRA was first enacted in 1970, amended in the late 1990s and again in 2003. The FCRA limits how information on consumer’s credit reports can be used, gives consumers rights to protect themselves against creditors, and restricts who has access to sensitive credit information. |
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Summary of the FCRA:
- Each Credit Bureau must give you 1 free credit report per year.
- Credit Reporting agencies can not release your information to third parties except for permissible reasons.
- A consumer's employer must have consent from the employee before access your credit report.
- Correct and delete inaccurate information in your credit report.
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Read more about the FCRA and protecting your rights
CLICK HERE
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Complete the Consultation form to have a Debt Specialist contact you today.
If you feel that you do need a program specific to you, call us now at 866-430-3437.
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