What are my rights under the Fair Credit Reporting Act (FCRA)?
The FCRA was designed to ensure that consumer reporting agencies, or CRAs, “furnish correct and complete information to businesses to use when evaluating your application.” To help ensure the information is correct and complete, the Act ensures that consumers can check their own reports and make changes to them, if necessary. As a consumer, you have a number of rights under the 1971 Fair Credit Reporting Act. These include the rights to: • Receive a complete copy of your credit report. • Know the name of anyone who has received a copy of your credit report within the last year—or within the last two years, if it was for employment purposes. • Know the name and address of the CRA a lender, credit card provider or other company has contacted, if that company denied your application for credit. • A free copy of your credit report if you’ve been turned down for credit because of information in that credit report. • Contest the accuracy or completeness of the information in your credit repo
