The Fair Credit Reporting Act (FCRA)

The Fair Credit Reporting Act sometimes called the federal fair credit reporting debt dispute act, is a federal law designed to protect consumers against unfair and illegal credit reporting practices and protect your credit privacy.

Find answers to your questions about credit reporting procedures. Learn who can and cannot view your personal credit profiles, credit reports, and credit scores.

Sec 1: Introduction to the FCRA 
The purpose of the FCRA is to ensure the accuracy and fairness of credit reporting through reasonable procedures.

Sec 2: Definitions & Rules 
Covers definitions and rules used throughout the Fair Credit Reporting Act.

Sec 3: Permissible Purposes of Credit Reports
Learn who can and cannot view your credit profiles.

Sec 4: Legal Info in Credit Reports 
Learn what information must be removed, corrected, or deleted from your credit reports.

Sec 5: Investigative Credit Reports 
Learn about your rights when an investigative report, such as for employment, is prepared for you.

Sec 6: Compliance Procedures 
Credit bureaus must comply with these procedures to protect your credit history and to fix inaccurate reports.

Sec 7: Disclosures to Governmental Agencies 
Learn what can and cannot be disclosed to governmental agencies.

Sec 8: Title Disclosures to Consumers 
Upon request, CRAs must clearly and accurately disclose to you what’s in your credit profile.

Sec 9: Disclosure to Consumers 
Credit bureaus can collect and furnish credit reports only under specific conditions; or face civil liability.

Sec 10: Dispute Procedures 
Learn how to dispute inaccurate information contained in your credit reports properly.

Sec 11: Cost of Credit Reports! 
Learn how much CRAs can legally charge you for copies of your consumer credit reports.

Sec 12: Employment Reports 
Learn what information in your credit report is considered public record information for employment purposes.

Sec 13: Investigative Reports Restrictions 
Learn the specific restrictions placed on investigative consumer reports.

Sec 14: Responsibilities of Users 
The legal requirements and responsibilities users of consumer reports must follow or face civil liability.

Sec 15: Willful Noncompliance 
Willful noncompliance subjects credit bureaus and those who furnish them information to higher civil penalties.

Sec 16: Negligent Noncompliance 
Under certain circumstances, credit bureaus and those who furnish them information can be sued.

Sec 17: Jurisdiction of Courts 
Learn which courts have jurisdiction over your credit reports and their enforcement limitations!

Sec 18: False Pretenses 
Obtaining information from credit bureaus under false pretenses subjects violator to stiff civil penalties!

Sec 19: Unauthorized Disclosures 
Unauthorized disclosure of consumer credit reports subjects the violator to civil penalties!

Sec 20: Administrative Enforcement 
Learn how federal and state agencies are supposed to enforce the Fair Credit Reporting Act.

Sec 21: Overdue Child Support 
Under certain conditions, overdue child support obligations must be reported for seven years!

Sec 22: Furnishers of Information 
Furnishers of information to consumer credit reporting agencies have specific legal responsibilities.

Sec 23: Relation to State laws 
Under certain conditions, your state laws may not protect your credit reporting rights!

Sec 24: Disclosures to FBI