A Summary of Your Rights Under the Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA.

Request a Free Annual Credit Report

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Su Acceso a Informes de Crédito Gratuitos

La Ley de Informe Justo de Crédito (Fair Credit Reporting Act, FCRA) requiere que, a su pedido, cada una de las compañías de informes de los consumidores a nivel nacional — Equifax, Experian y TransUnion — le provea cada 12 meses una copia gratuita de su informe de crédito. La ley FCRA promueve la exactitud y privacidad de la información contenida en los registros de las compañías de informes de los consumidores del país.

Your Access to Free Credit Reports

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies...

Understanding Credit Scores

For years, creditors have been using credit scoring systems to determine whether a consumer is a good risk for credit cards and auto loans. More recently, credit scoring has been used to help creditors evaluate a consumer’s ability to repay home mortgage loans and whether to charge deposits for utility services. Many auto and home insurance companies use special credit scores to decided whether to issue a policy and for how much. Here's how credit scoring works in helping decide who gets credit -- and why...

The Truth About Credit Reports & Credit Repair Companies

WHAT SHOULD I LOOK FOR IN MY REPORT? You should look for the following possible problems...

What You Should Know About Your Credit Report

If you have ever applied for a credit card, a personal loan, insurance, or a job, there is probably
a company keeping a credit file or credit report about you. This file contains information about where
you live and work, how you pay your bills, or whether you have been sued, arrested, or have filed for
bankruptcy. Companies that gather and sell this information are called “Consumer Reporting Agencies” or
“Credit Bureaus.” The information sold by Consumer Reporting Agencies to creditors, employers,
insurers, and other businesses is called a “credit report.”...

Answers About Credt Scores

Select from the following questions about credit scores...

5 Tips for Improving Your Credit Score

Go to www.annualcreditreport.com. This is the only authorized online source for a free credit report. Under federal law, you can get a free report from each of the three national credit reporting companies every twelve months...