The Federal Fair Credit Reporting Act (FCRA) is designated to promote accuracy, fairness and privacy of information in the files of every consumer reporting agency (CRA) or credit bureau. Learn what the law says and repair your credit today! Most CRA are credit bureaus that gather and sell information about you, for example, if you pay your bills on time or have filed for bankruptcy. They sell this information to creditors, employers, landlords and other companies, so you must be sure that the information they have about you is accurate and correct. Filed under: Senator of Massachusetts. You can find the full text of the FCRA 15 USC 16-81, 1681u, at the website of the Federal Trade Commission (but here you can find a summary of their rights. 1. You must be told if information in your file has been used against two.
You can find out what’s in your file 3. You can dispute inaccurate information with the CRA 4. Inaccurate information must be corrected or deleted 5. You can dispute inaccurate items with the source of information 6. Outdated information, it can be reported in July. Access to your file is limited 8.
Your consent is required for reports that are provided to employers, or reports that contain medical information 9. You may choose to exclude your name from CRA lists for unsolicited offers and insurance. 10. You may seek damages from violators.