Fair Credit Reporting.com

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, 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 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 personal 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 on 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 properly dispute inaccurate information contained in your credit reports.	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 7 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 Learn what information is allowed to be disclosed to the FBI for counterintelligence purposes!

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