Debt Counseling Services

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 the privacy of consumers credit.



The purpose of the FCRA is to ensure accuracy and fairness of credit reporting through reasonable procedures. The fair credit reporting act also covers definitions and rules used throughout the Fair Credit Reporting Act. Taking the time to learn the Fair Credit Reporting Act would benefit any consumer, especially those who are seeking credit or debt counseling services. Understanding your credit and it's importance could also help avoid any future financial mistakes. Discover who can and cannot view your personal credit history. Find out what information must be removed, corrected, or deleted from your credit reports. Know your rights when an investigative report, such as for employment, is prepared on you. Understand the credit bureaus compliance procedures taken to protect your credit history and to fix inaccurate reports. Find out what can and can not be disclosed to governmental officials. Learn how to effectively dispute inaccurate information contained in your credit report. Find out how much credit reporting agencies can legally charge you for copies of your consumer credit reports. see what data in your credit report is considered public record information for employment purposes.

Learn more about your credit by visiting http://www.fair-credit-reporting.com/fair-credit-reporting-act/FCRA.html.

Quick Tips: There are consumer advocacy groups that help protect you from creditor harassment, our clients have access to them - so should you.

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