What Is the Fair Credit Reporting Act?
The Fair Credit Reporting Act (FCRA) is a federal law that regulates how consumer credit information is collected, used, and shared. It gives you important rights regarding your credit reports, including the right to access your reports, dispute inaccurate information, and limit who can view your credit data.
Your Key Rights
Under the FCRA, you have the right to receive one free credit report from each bureau annually, be notified when information in your file is used against you, dispute incomplete or inaccurate information, have credit bureaus correct or delete inaccurate items within 30 days, have outdated negative information removed (most items must come off after 7 years), and limit access to your credit information.
How We Use the FCRA to Help You
At 755CreditScore, we leverage the full power of the FCRA to dispute inaccurate items on your credit reports. When credit bureaus fail to verify disputed items within the required timeframe, those items must be removed. Our knowledge of FCRA procedures helps ensure that your rights are fully exercised in the dispute process.
Protect Your Credit Rights
If you believe your FCRA rights have been violated, or if you have inaccurate information on your credit reports, contact us for a free consultation. Call 832-696-0755 today.