Anyone that has borrowed money on a credit card, for a home, to buy a car, or to help pay for school knows that your credit score is important. Your credit can even affect the jobs you are able to get. The Fair Credit Reporting Act is the federal legislation that regulates the collection of credit information and gives people ways to help ensure that only accurate information is included on their credit reports.
Know Your Rights
The FCRA also protects the privacy of your credit information by regulating who can receive your report and limiting what can be done with your credit information. As a consumer, it is important to know your rights protected by the FCRA, such as:
You have the right to know what is in your credit file. At any time, you may request all of your credit information from a consumer-reporting agency.
You must be informed if the information in your file has been used against you. If someone denies your application for insurance, employment or credit due to your credit report, they must inform you and provide you with the name of the agency that gave them your information.
You have the right to request your credit score at any given time.
You have the right to dispute any incomplete or inaccurate information in your file, and the agency must investigate your dispute.
Consumer reporting agencies must correct or delete any outdated, inaccurate, or incomplete information in your file.
Access to your credit file is limited. Consumer reporting agencies may only give your information to agencies or people listed under the FCRA.
Employers cannot receive your credit report without your agreement.
If a consumer reporting agency inaccurately reports your credit information, your reputation and future may be at risk. You may be denied a loan, credit card, job opportunity or even a house, all because of a credit bureau’s negligence incorrectly reporting your credit.
At Sturycz Law Group, we aggressively work on behalf of clients who have been harmed by FCRA violations, such as outdated or inaccurate credit reports. Do you believe that a creditor or collector has violated your credit rights? Take control of your credit and contact us today for a free case evaluation.
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