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A Summary of Your Rights Under the Fair Credit Reporting Act

Fcra Law

Name: A Summary of Your Rights Under the Fair Credit Reporting Act
Brand: US Legal Forms
Price: 59.00 USD
Rating: 4.58 (430 reviews)

Category:

Federal - Fair Credit Reporting Act

State:

Multi-State

Control #:

US-FCRA-07

Format:

Instant download

Description

This summary is required to be provided by entities covered under the Fair Credit Reporting Act who provide or base decisions on information in consumer reporting files, such as consumer reporting agencies and employers who perform background checks on applicants.

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FAQ

Your credit report does not include your marital status, medical information, buying habits or transactional data, income, bank account balances, criminal records or level of education. It also doesn't include your credit score.

The Fair Credit Reporting Act (FCRA) is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer's credit history.The law is intended to protect consumers from misinformation being used against them.

The Summary of Consumer Rights explains certain major consumer rights under the FCRA, including the right to obtain a copy of a consumer report, the frequency and circumstances under which a consumer is entitled to receive a free consumer report, the right to dispute information in a consumer's file, and the right to

The Act (Title VI of the Consumer Credit Protection Act) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report cannot be provided to anyone who does not have a purpose specified in the Act.

Under the Equal Credit Opportunity Act: You cannot be denied credit based on your race, sex, marital status, religion, age, national origin, or receipt of public assistance. You have the right to have reliable public assistance considered in the same manner as other income.

The FCRA gives you the right to be told if information in your credit file is used against you to deny your application for credit, employment or insurance. The FCRA also gives you the right to request and access all the information a consumer reporting agency has about you (this is called "file disclosure").

You have the right to know what's in your credit reports. The act requires credit reporting agencies to give you free access to the information they have collected about you and your financial habits once every 12 months.

2022 You have the right to know what is in your file.report; 2022 you are the victim of identity theft and place a fraud alert in your file; 2022 your file contains inaccurate information as a result of fraud; 2022 you are on public assistance; 2022 you are unemployed but expect to apply for employment within 60 days.

The Fair Credit Reporting Act describes the kind of data that the bureaus are allowed to collect. That includes the person's bill payment history, past loans, and current debts.

Fcra Law

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