Fair Credit Reporting Act

Credit is more important now than ever.  Credit reports impact everything from a consumer's ability to borrow money to getting a job to the  eligibility for governmental benefits.  Congress passed the Fair Credit Reporting Act (FCRA) because there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer’s right to privacy.  The FCRA require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information.

 
 
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credit reports are required to be accurate

Whether it is Experian, Equifax, TransUnion, or another consumer reporting agency, the credit bureau must follow reasonable procedures to ensure that every credit report achieves maximum possible accuracy.  Despite this clear requirement, credit reports often have inaccurate information, contain information about another person,  or outdated information.  

 
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