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The Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.
The Fair Credit Reporting Act protects consumer privacy in part by limiting who is allowed to view your credit report and why. ... for example, a lender will perform a soft credit inquiry to show ...
Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any incorrect or outdated information on your report, and credit bureaus must investigate those disputes. ... For example ...
Since its introduction in 1970, the Fair Credit Reporting Act (FCRA) has made it possible for consumers to access their credit scores and reports. To learn more about the Fair Credit Reporting Act ...
Prior to the formation of the Fair, Isaac and Company or the Fair Credit Reporting Act of 1970), early credit scoring systems such as the Retail Credit Company (now Equifax) in Atlanta, Georgia gathered information on individuals' sexual lives, disabilities, their political ideologies, and social behaviors. [20]
The California Consumer Credit Reporting Agencies Act (CCCRA) was passed in 1975 as the state's version of the federal Fair Credit Reporting Act. [16] The act regulates consumer credit reporting agencies as well as any users of credit reports.
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