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The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.  There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records).  Here is a list of some of your major rights under the FCRA:

  • You must be told if information in your file has been used against you.
  • You have the right to know what is in your file.
  • You have the right to ask for a credit score.
  • You have the right to dispute incomplete or inaccurate information.
  • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
  • Consumer reporting agencies may not report outdated negative information.
  • You must give your consent for reports to be provided to employers.

Are you interested in getting a copy of your credit report? For access to your credit report online, go to:
https://www.annualcreditreport.com/index.action

To request a copy of your credit report by mail using the form pictured above, click here:
https://www.consumer.ftc.gov/articles/pdf-0093-annual-report-request-form.pdf

For any other questions about credit or debt solutions, give us a call at (832) 305-7694!